Dependant upon WHOM the learner was insured with, who's vehicle he/she was driving, and the legalities such as "was there a licensed driver in the car at the time of accident"? all these things play a role. Contact a lawyer or your broker for a definite answer, but yes, in some instances, the parents can be liable.
It is possible that the insurance rate would go up if a permitted driver has an accident. Usually, raising insurance rates is not an individual decision.
As long as the Adult:Has properly informed the insurance companyHas insuranceWas not drunk or otherwise negligent.
Your Insurance Rates will almost always "decrease" when you obtain your permanent Drivers License, barring any accident or tickets having accumulated while you had the learners permit.
how do i get car insurance with just my learners permit?
Anyone driving in any state is required to be covered on the insurance policy of the vehicle they're operating, whether named on the policy, or covered by uninsured motorist coverage on that policy.
It is more expensive but the risk of a car accident is much higher. In case of a lawsuit it is well worth it.
Do not know what you mean by 'insurance loan'?
Contact your agent or policy services dept for your carrier, they will be able to advise you.
It all depends on the state in which the accident happened as well as the type of accident.
Most likely yes. I know of cases that a completely unlicensed driver causing an accident and the insurance still applied. Most insurance policies don't have a requirement that a person be licensed in order for coverage to apply.
No they won't. A learners permit is not a valid license. They shouldn't be driving without a licensed driver. The owner of the car can be held liable. They can be sued for allowing an unlicensed driver, drive their vehicle.
No. In any US state insurance companies are only allowed to sell auto insurances of any kind to licensed drivers. The reasoning for this is because in the event that the person with the learners permit fails their road test(s), then the insurance companies are not held liable in the event of an accident. That is why there is a manidtory requirement that the person with the learner's permit drive with a licensed experienced driver in the car at ALL times, so in the event there is an accident, the insurance company will cover it under the licensed driver's policy.
Subject to any policy exclusions if they had the owners permission then they more than likely will be considered an insured driver, for the purposes of this question. They of course will need to be listed as a driver on a vehicle in the house hold, (if not immediately, will depend on the rules of your area/insurance company, then certainly once a licensed driver)
You can but it will be expensive on Insurance
No, you can not get insurance unless you have at least one licensed driver on a policy.
How can insurance go up if you don't have it? You have to have it first for it to go up.
for me Maybe ..
Allstate will not charge you for a driver with a learners permit for the first year.
It would be a good idea; you can expect your rates to change if you take on a teen driver, and it's better you take care of that sooner than later. (They could deny a claim, if a non-covered motorist is involved in an accident.) You may want to speak with your local agent about it.
No, for company insurance reasons