![]() If you fail to list any "customary" operator or licensed household member, your insurance company might refuse to pay your claim, even if you were driving at the time of the accident. Drivers who only have a Learner's Permit are not required to be listed on your policy until they are fully licensed. You can typically “exclude” any household member who does not drive your car, but in order to do so, you must submit an "exclusion form" to your insurance company. However, under Managed Competition, not all insurance companies will allow you to defer a driver who has his or her own insurance policy, and some carriers will charge you extra premium for doing so. Typically, drivers who have their own auto insurance policies can be listed on your policy as "deferred operators” at no additional charge. While the policy only requires you to list "customary" operators, insurers often interpret this term broadly, and some require that you list anyone who may use your vehicle. You should also list any person who occasionally drives your car. Your auto insurance policy must list all licensed drivers living in your household who are related to you by blood, marriage, or adoption, including drivers already covered by their own insurance policies. ![]() ![]() In order to register and drive your vehicle in Massachusetts, you are required to at least purchase the auto coverages and limits shown in the table above. Bodily Injury Caused by an Uninsured Auto Some car insurance companies will offer to write you a binder policy. ![]()
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