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After calling to be added to your parents car insurance can you drive right away or do you have to wait for documents to be sent to you?


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Wiki User
2007-07-13 07:49:49
2007-07-13 07:49:49

Yes, You have to wait for proof that you have insurance, that means documentaion. Remember the law requires not only that you have insurance. But that you have "Proof" of insurance at all times while operating a motor vehicle.

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It is very difficult and expensive for a teenager to get car insurance. The easiest way to get it is to be put on your parents' insurance and pay them the added insurance cost out of your wages.

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If you normally drive a car belonging to your parents then you should be added to their insurance policy. Many policies now contain language that may allow the insurance company to deny coverage if a driver is not listed in order to obtain lower rates. I usually recommend that they title the car in your name once you reach eighteen and that you have your own insurance. This prevents the attorneys from suing them if there is an accident. If you are added to their policy it is unlikely that they will tell your parents about the ticket. The rate will just be slightly higher.

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Have your parents contact your insurance agent as soon as you receive your learners permit. Most companies require that you be added to policy as a driver. Most companies don't charge an extra premium for drivers with learners permits but do want them listed.

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Insurance Coverage on a Parents policy? Yes, So long as you are also listed by name as a covered driver on your parents Policy and your parents have an insurable interest in your vehicle. If you are a minor or a dependent still living at home then you might be able to get insurance cheaper through your parents than you could seperately. You "by name" would need to be added along with your vehicle to your parents policy to be an insured driver.

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No. Added: Once they receive it they are then a fully licensed driver and legally responsible for their own actions behind the wheel. Insurance companies require that they be added to their parents policy (or get their own).


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