Auto Insurance

Can a teenager drive their parents car when their not on their parents policy?

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2005-10-03 02:31:02
2005-10-03 02:31:02

In OKlahoma all licensed drivers in the household must be listed as a driver or listed as an excluded driver for the policy to be valid. Anything else would result in a fraudilent policy and may get cancelled.

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yes, the premium will be astrononic, and some insurance firms will not add children to the exsiting parents policy, they will only insure the teenager in their own right.

No. Unless you had the teenager on your policy, but at the same time you knew that the teenager was unlicensed! So, get the teenager licensed and put him on your ins. policy and then teach him how to driver safely and not crash.

Yes, but the parents have to add the new driver to their policy.

yes, if your daughter had your permission to drive then gave her permission for boyfriend to drive, then he is an insured driver under the policy.....coverage/policy stays with the vehicle, meaning your policy will pay (assuming he was at fault)...and thus be affected by this accident........

If you are needing to purchase car insurance for a teenager, it is best to call your current insurance company and have the teenager added on to your current policy.

If it is not registered to them, it should not be on their policy.

This is not a good idea. You need your own insurance policy. There are coverages you do not have by being on your parents policy. You want to be a "named insured". This means that you control the policy and not your parents. If you want to loan your car to anyone you can, if you are on your parents policy you cannot do this. Also if you need to rent a car, you are not covered under your parents policy to do this. You would be under your own policy. Contact your insurance agent for a better explanation.

The answer: No. Insurance is not cheap to any young driver. Not being on a parents policy can be more expensive as well.

If she does not drive your car, then there is no reason to list her. However, it would probably be wise to list her if you are going to teach her how to drive it.

Depends on the state and your insurance policy. call your local agent.

Unless your policy specifically covers ANY driver to drive your car, then all drivers that do drive your car should be specified (by name) on your policy.

Sounds like you have a permit. If so your parents policy will cover you and you will need to added their policy when you get your drivers license. Some companies require for all people in the household 14 or older to be listed. Contact your company for more details. As long as you don't live in the household, and you can borrow their car, their insurance policy will follow the vehicle.

Yes your sim can as well as your teenager.

Everyone in your household must be listed on your insurance policy if they have a license. For example, if you live with your parents, you may not be covered if you are not listed on their insurance policy. On the other hand, if you live separately you could use their car with their permission and be covered.

Ask your respective insurance agents. You may have a policy that covers you no matter what car you drive.

Yes and no. They have to include the 18-year old's information on the policy, but if the kid doesn't drive, they can EXCLUDE him from the policy. This will allow the parents to be covered if the kid takes the car without permission, because it will be considered theft.

You do not need your own policy. In most states you are covered by the car owners insurance policy.

It depends on our father's insurance. My children may drive my car because my insurance covers anyone I give permission to drive my car (they have have a valid license). However, my ex-wife's policy does not allow it - by not having this option she actually lowers her premium. This can vary from state to state and insurance policy to insurance policy. Have your father call his agent and get the correct answer for his policy. He may have to make an adjustment to his policy to allow you to drive his car.

no she has to be on your policy , or if you are full comperhensive and she hold an insureance policy . then you can give her permisson to drive your car under 3rd party only

It depends what country you're in. In the UK, you cannot legally drive a car on the public highway until you're at least 17.

As long as she has your permission, she can drive the vehicle and she will be covered. If she drives it more than a few times, you should add her to the policy.

Probably not, if you drive any vehicle with any regularity (siblings, parents when you're homet etc) you need to be a listed driver, and rated on that policy.. If you occasionally drive a friends car (with their permission of course), subject to any exclusions you should be fine. If you do not drive at all ever, then no, you do not need a policy....

No, the child needs to drive the other car. No, the child needs to drive the other car.

No, it is unwise to allow another person who is not on your policy to drive the car. If you are in the car with the driver, then it might be okay - it depends on your policy, you could call your agent to see.


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