Will I get caught driving a car I'm not listed as a driver on the insurance policy

It is generally not recommended to drive a car that you are not listed as a driver on the insurance policy. Insurance companies typically require that all licensed drivers in a household be listed on the auto insurance policy, except for unlicensed teenagers or younger members under 14. This includes roommates, spouses, live-in nannies, older licensed children, and other family members.

If you are not listed as a driver on the insurance policy and you drive the car regularly, you could potentially be caught and face consequences. Insurance companies have ways to detect fraudulent claims, and if you are involved in an accident while driving a car you are not listed on the policy for, the insurance company may investigate and potentially deny coverage.

Additionally, if you are involved in an accident while driving a car you are not listed on the policy for, you may be held personally liable for any damages or injuries caused. This could result in financial penalties, legal action, and potentially even criminal charges.

It is important to note that occasional driver insurance is an extension of your car insurance policy that names another person who can drive your vehicle. This type of insurance is designed for people who drive your vehicle less than 25% of the time. If you are driving the car regularly, you may need to be listed as a primary driver on the policy.

In summary, it is not recommended to drive a car that you are not listed as a driver on the insurance policy. It is important to be honest and upfront with your insurance company about who will be driving the vehicle, and to ensure that everyone who will be driving the car is listed on the policy. This will help to avoid any potential issues or consequences in the event of an accident.