If a driver in the household is not listed on the insurance on a vehicle can they drive that vehicle if they are given permission by the insured?

For New York, I think the answer is yes, *legally*, but a "driver in the household not listed on the insurance" is wrong contractually with your insurance company.

I am trying to research this on the internet and here are my discoveries so far for New York State :

(1) Drivers in your household who have their own vehicle

(2) Drivers in your household without a vehicle, i.e. child/older parent.

(3) Driver not in your household who uses your vehicle regularly, i.e. personal assistant, someone who drives you to errands, child who borrows your car.

[ Kids away at college 10 months are in your household I think ]

You must tell your insurance about (2) or (3) , even if they will never drive your vehicle. Apparently, even if they are not family. You must tell them about a (1) if they will be using your vehicles.

Any driver you permit to drive your vehicle is (by law ??) insured, but if a loss or ticket occurs with a (2) or (3) you may (probably will) get dropped by the insurance company and spend a lot more $ getting back on with someone else.

Watch out for catches like what I'm trying to research - I have my 2 vehicles for my wife and I, My 25 yr old son has his vehicle off the road (unregistered, but insured) for 3 months, does my 21 year old daughter with her own vehicle need to put him on her insurance too ?