Auto Insurance Company Question

Reader’s Question:

What exactly is the definition of motorist list only status? What is the difference between unrated and list driver?

James

Atlanta, GA

Each insurance providers has their own terms they use when they rate an individual for an insurance policy or how they list an individual on a policy. Each state has different requirements for household members and how they are listed, excluded, rated or excluded with surcharge on a policy.

Some states require that all residents be listed on a policy, but in some instances you may want to exclude coverage for a household member.

Since insurance companies have their own different definitions for drivers’ statuses, so you may consult with the insurance provider you know that is using this specific auto insurance terminology or read through the terms of their policy to see what their intended meaning is for “list only” and “unrated” motorists.