Read your policy. Your policy. The one you have in your junk drawer.
Mine reads "you must declare all licensed drivers in your house".
Seems clear, right, except the penalty is
"we will not pay claims for un-declared drivers if their addition to the policy would result in a premium increase".
Aha, so you can have a licensed driver, but not let them drive.
How does this work into you splitting your fleet into two groups, with only one car for the teen? Awkward. Having the second policy would be admitting the license exists.
I would drop the collision on the F150.
The bummer is the insurance will assume a truck you just drive to home depot on the weekends will be in constant use, eg matching the number of vehicles to drivers, because of all the nitwits that ruined it for the rest of us.
IANAL.
Mine reads "you must declare all licensed drivers in your house".
Seems clear, right, except the penalty is
"we will not pay claims for un-declared drivers if their addition to the policy would result in a premium increase".
Aha, so you can have a licensed driver, but not let them drive.
How does this work into you splitting your fleet into two groups, with only one car for the teen? Awkward. Having the second policy would be admitting the license exists.
I would drop the collision on the F150.
The bummer is the insurance will assume a truck you just drive to home depot on the weekends will be in constant use, eg matching the number of vehicles to drivers, because of all the nitwits that ruined it for the rest of us.
IANAL.