paid because many claims aren't worth going to court over. But if your kid killed someone you and your agent would be in court and the language in the contract would matter.

Your contract says that you will list anyone who lives in your house with a drivers license or anyone who regularly drives your cars. But you likely don't know that so you get a pass.

Your agents contract says that he will list them and requires him to ask specific questions about household members. Your agent is a dishonest moron and has no excuse. And he isn't your friend. He lied to you and risked your family's financial future to make a 10% commission.