Reader’s Question:

I am roommate with my sister and a friend in Idaho. I am over the age of 25 but, my sister is not. She has a valid driver’s license, but she does not drive my vehicle and she currently does not own a car. Am I required to add her to my insurance?

Karen

Pocatello, ID

Insurance carrier guidelines vary but typically an insurance company will require you to list all licensed motorists in your household. If neither your sister nor the other roommate drives your car then you may be able to exclude them from your insurance policy.

Whoever you exclude from the policy would then not be covered by any part of your car insurance if they ever did drive your vehicle. To know more about insurance laws in Idaho or get consumer help with car insurance questions you can contact the Idaho regulatory body for insurance companies in ID.