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Is a child under their parents insurance when they get their learners permit?
Wiki User
∙ 12y ago
Yes. Each state handles insurance differently so you might want to just make sure with someone in your state. The easiest way to explain car insurance to prersons without any insurnace trainin is this. Insurance follows the car. If you insure the car then who ever drives the car the damage is insured. Now if someone steals your car or uses your car without permission that is a different story. The insurance will pay to fix your car but will not pay for any damage caused by the unauthozied user of the car. The insurance company should be advised that your have a young son or daughter who is starting to drive to have their named added as a driver to your policy.
Insurance companies like to know who the primary driver is for each vehicle you own. They also like to know how the car is used and how many miles it is driven each day for work or school. The rate you pay is based on who the driver is, what the car is, and how it is used. If the driver is risk ( lots of tickets and very young) if the car is expensive and sporty (corvette) and it is used to commute into New York City each morning you will pay a lot of money to insure that car. If the driver is a 40 year old man with no tickets living out in the country and the car is a old pickup truck and he uses it to go from the farm to the grocery store once a week the insurance will be inexpensive.
Make sure you call your agent and get the child's name added to the list of drivers who may be driving the cars you have on your policy.
Wiki User
∙ 12y ago
Wiki User
∙ 12y agoYes. The insurer sets the premium for the insurance based upon the risk that it assumes. That is, since the insurance contract transfers the responsibility for paying damages from you (the insured) to it (the insurer), the insurer must know what risk exists. Based upon that, it establishes a premium. Therefore, if another priver of the vehicle is not disclosed to the insurer, it cannot set a sufficient premium to offset the increased risk.
If you do not disclose the additional driver to the insurer, inthe event of a covered occurrence, the insurer may have a right not to honor it.
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Do you need insurance when your child just got her learners permit?
This varies by state law. Ask your insurance company.
Is my son covered on my policy with his learner's permit?
Most insurance companies will automatically insure a child in your home with a learners permit. It is best to check with your insurance company to be sure.
Can a 15 year old with a learners permit get car insurance?
Check with your insurance company, but in most states they are covered under the parents' policy at no charge until they get their license. You should tell your insurance company that your child does have a permit to insure proper coverage Try this site where you can get quotes from different companies yourfinance.co.cc
If you get a learners permit will your parents insurance go up?
Yes, the premium will increase as you must be included as a driver in their policy. I disagree. It depends on the insurance company. Mine told me my rates will not go up when my son gets his permit, but they do want to be notified. Rates will go up when he becomes licensed.
Do parents pay more if there child has there learners permit?
Insuring a new inexperienced driver of any age will typically cause an increase in your premium.
Where do teens get their learners permit?
Your child can get their learners permit at the DMV. It is very crowded during the day, so it would be best to go during the morning. Go online for more info.
If your child has a learners permit and does not drive your cars do they need insurance?
Depends. If they're going to be driving any of your vehicle(s) then, yes, you'll need to add them to the policy. If they won't be driving any vehicles covered under your policy, then there's no need to.
Must I notify the insurance company that my teen got a learner's permit?
Yes, All auto insurance policies in the United States require that you notify the company whenever their is a change in risk factors including household drivers. Wether you will need to add your child to the policy depends on the internal operations policy of your Insurance Company. Some Companies will let you add your child later after graduating from the learners permit while others Will require the child be scheduled immediately as they are now driving. Happ Motoring
Do you have to add an adult child to your insurance who does not live with you who is learning how to drive with a learners permit?
This is a question best answered by your insurance agent or a call to your insurance company's 800 customer service phoneline.A bit more:Unless the insurance regulations have changed since I was a licensed auto and homeowners insurance agent: If your child is of legal adult age and not living with you, then no, you don't add him to your policy. Actually, many insurance companies wouldn't allow you to include an adult child (or any other adult) who does not live with you to your auto insurance policy.
Which divorced parent has to add child as occasional driver with learners permit?
You would be added as an occasional driver after one is licensed. When divorced it is up to either parent to add them. If they will be driving both parents cars then they will need to be on both policies.
If you drive on a learners permit without an adult in the car and get in an accident will insurance pay for the damages?
No, insurance will not pay if your parents have not placed you on the policy yet. You may also want to check your state laws. Having a 16-year-old daughter makes me a good source of info on this topic. Good luck to you. Actually, it depends on your carrier. Most parents add their children to their insurance when the kids get learners permits. Depending on your parents' policy, there may be an exclusion for not having an adult in the vehicle with you. Or there may not be. And, here's the fun part: Even if there is an exclusion, and you decide to drive the car without an adult parent and get into an accident, most courts would not uphold the exclusion. One, first party coverage (i.e., to pay for the damages to your parents' car) is pretty hard to deny; and, two, third party -- or liability -- coverage is difficult to deny by an insurance carrier because it would place your parents in too much jeopardy (getting sued, etc). Still, unless you want a huge hassle before you even get a license, don't risk it. When does state law require a parent to add their 16 year old child with a learners permit to their auto policy?
Are you required to carry insurance for a child who only has a permit and not an actual driver's license in the state of Texas?
Insurance for a child who only has a permitAll drivers are required to carry Financial Responsibility regardless of wether they have a drivers license, a learners permit or even no license at all.Yes, If they is operating the vehicle, they needs Insurance.Technically speaking a permit, license is the same difference. If she has been authorized to operate a motor vehicle by the DMV then they are hence considered a licensed driver even if there is a restriction imposed requiring supervision by another lic. driver as in your case.In all 50 states, if she will be driving it on a regular basis any insurance company requires that she be listed on the policy or if there is a claim they will refuse it. This is per the NHTSA insurance regulators.
