No. of Recommendations: 1
canonian writes,

I've read- although only from insurance websites that some states require insurance for anyone with a license in the household. I cannot find anything for Maryland on the topic. In reading some message boards insurance companies have called and ask if teens of age have their license, then by "policy" they require it although it might be more of a tactic than legality.


Right. An insurance company might have an underwriting rule requiring that all licensed drivers in a household be included on the policy, whether they drive or not. But it's hard to imagine the State Legislature and Governor mandating it.

Note: An insurer may require you to list all the people of driving age in the household on the application when you apply for coverage. But then if you tell them that my kid is away at school and doesn't drive a vehicle. The insurer will issue the policy with a disclaimer like, "Coverage does not extend to drivers under the age of 25."

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