<prompt> Human: I understand that teenage drivers are required to be listed under car insurance of the parent. But how come this is required even if I dont drive or intend to ever use the car? Apparently the rate of the insurance goes up a ton if a childs name gets added. Are there ways around this situation? And is deliberately not including the name or finding ways around it considered fraud?  <response>: Because people lie and say they will not drive to get out of paying insurance when indeed they do drive. Basically insurance companies assume you will actually drive the car. 