The only drivers that the "Insurance Company" want on the policy are those that live in the household. Sounds like SF agents are trying to cover themselves are make more money?? Perfect example a cllient of mine caused a major accident in his mother-in-laws car in which he was not a listed driver. The insurance on the car is primary and the driver's insurance was secondary. Both or which were maxed out because of the severity of the accident but State Farm was first. Bottom line is insurance follows the car. Next time you speak with you State Farm agent ask him this, "So your telling me that unless the driver is listed I have no coverage? Then how come when someone steals my car and assuming I have comprehensive it's covered?" Bottom line is they're lieing. Call the Louisiana department of insurance and they'll tell you that if you give someone permission to drive your car then "they're" covered. Insurance follows the car. Matter of fact I bet more than half of insurance agents don't list their teenage drivers.
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