Can someone be assigned as a primary driver on auto insurance if the buyer doesn't have a license?

In most states, it is not legal to have someone without a valid driver's license listed as the primary driver on an auto insurance policy.

This is because the insurance company needs to assess the risk of the primary driver.

However, some insurers may allow a non-licensed individual to be added to the policy as an additional driver or operator.

This means they can drive the vehicle, but they are not the primary policyholder.

The primary driver on an auto insurance policy is typically the person who will be driving the vehicle the most.

This person's driving record and experience are the primary factors used to determine the policy's rates and coverage.

If the actual primary driver does not have a license, the insurance company may still cover the vehicle, but the rates will likely be higher due to the increased risk.

In some cases, a non-licensed individual may be able to be listed as the primary driver if they are a family member or household member of the policyholder and have a valid license.

This is known as a "named driver" exception.

Insurers may also require the licensed policyholder to maintain control and supervision over the non-licensed driver, even if they are listed as the primary driver.

It's important to note that insurance fraud, such as intentionally misrepresenting the primary driver, can result in the policy being canceled or claims being denied.

Some states have specific laws or regulations that address the issue of non-licensed individuals being listed as primary drivers on auto insurance policies.

In certain situations, such as when a person is a new driver or has a poor driving record, an insurer may require the policyholder to list a more experienced driver as the primary driver, even if they are not the primary user of the vehicle.

The insurance company may also require the non-licensed individual to complete a driver's education course or obtain a learner's permit before being added to the policy as a primary driver.

It's always best to be upfront and honest with the insurance company about the driving status and usage of the vehicle to ensure the policy is properly structured and to avoid any potential issues with coverage.

Regarding the search results, the information provided seems to align with the general principles discussed above.