A rated driver refers to an individual who is specifically listed or identified on a policy as a primary or secondary driver of a vehicle. Companies use the concept to assess the risk associated with insuring a particular car and to determine the premiums that will be charged for coverage.
When a policy is issued, the company typically asks for information about the individuals who will be driving the insured vehicle. The primary driver, or the person who will be driving the vehicle most frequently, is usually listed. Additional drivers who will also operate the car may be mentioned as secondary-rated drivers.
The insurer considers various factors when determining the premiums for a policy with rated drivers. These factors can include the age, driving history, and experience. Younger and less experienced drivers, for example, are often considered higher risk and may result in elevated premiums.
It’s important for policyholders to accurately disclose information about the rated drivers on their policy. If they want to add or remove a rated driver from their policy, they should contact their insurance provider to make the necessary updates. This may result in a premium adjustment, as the risk associated with the insured vehicle may change.
At PSIC, we ask the rated driver of a motorcycle policies to be listed on the corresponding declaration page. This means that when you allow someone you trust to ride your motorcycle, they are also protected under your insurance policy.
Please, review your declaration page and contact your producer if you consider necessary to make any changes to that document.
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At PSIC, we consider that they can be helpful for you.
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Copyright © McGraw Insurance Services, L.P., Delaware L.P., 5515 E. La Palma Ave. Ste. 150, Anaheim, CA 92807, License 0K06900 / National Producer No. 17486061 The insurance policy, not the contents of this website, forms the contract between the insured and the insurance company. The policy may contain limits, exclusions and limitations that are not detailed on this website. Coverage may differ by state.
Privacy Notice at Collection for CA employees
Last updated: June 27, 2023
We take the privacy of our employees and applicants very seriously. Please read this notice carefully as it contains important information on the personal information that we collect, why we collect it, how long we keep it, and that it is not sold to third parties.
Other terms used but not defined will have the meaning set forth in the CCPA, as amended by the CPRA, Cal. Civ. Code §§ 1798.100—1798.199.100, and accompanying regulations set forth under Cal. Code Regs. tit. 11, § 7000 et seq.
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We will not retain your personal information for longer than necessary for the purposes set out in this notice. Different retention periods apply for different types of personal information.
When it is no longer necessary to retain your personal information, we will delete or anonymize it.