Must I list my children on my policy if they have a learners permit or a drivers license in the state of New York?

My daughter will be taking her drivers permit test in May and my son has a permit and is scheduled to take his road test soon. If he passes he will have limited use to our vehicles.

Thank you for the question. In short, you will run into issues with your insurance company if you are not listing all household members. You should start exploring options to get your children insured. You can get rates here at www.thezebra.com. If you don't insure them, you run the risk of having a claim denied if an accident occurs while they are drivings. Also, your insurance company could force place insurance on them, which could cause rate issues.