Auto Insurance

If your child gets a learners permit do you have to add them to your policy?

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2014-04-16 23:30:06
2014-04-16 23:30:06

Child's Learners permit and Parental Responsibility:

A Drivers Permit comes with all the responsibilities of anyone who operates a motor vehicle on public roads, including financial responsibility. When you purchased your auto policy, part of the language of the insuring contract requires that you notify the insurer within 30 days of any change in risk factors associated with your policy. Failure to add a new driver to your policy, especially a minor child, can constitute parental negligence and material misrepresentation of the risk assumed by your insurer when they issued your policy and can result in a denial of any coverage in the event of a loss.

Insurers often cover negligence claims against their insured arising from undisclosed young or otherwise high risk drivers.

Excluded or included Drivers?

It looks like there are two questions here, but really they fall under the same answer.

One, if your kid is excluded from driving one of your vehicles, it's pretty much a "done deal." By that, it means that anytime he drives one of your vehicles -- even if it's just to park the car -- he would be excluded. Your insurance company wouldn't pay for any damages he caused if he had an accident (though sometimes they will pay the damages to your own vehicle under your first-party coverage).

If he's just gotten a learner's permit, and you plan on letting him drive (even with you in the car), the exclusion would still apply. You can argue with your carrier until you're blue in the face, but if the exclusion still exists, they won't cover damages he causes while driving.

Your best bet: Remove the exclusion and, as your carrier suggests, add your kid on as an occasional driver. A lot of companies offer the "occasional driver" provision, so you're probably going to save money that way. However, once your kid gets his actual license, and starts driving regularly, he needs to be added on as a regular driver.

Company Underwriting

In the state of California, this depends on your carrier. Many carriers require that the child be added as a driver as soon as he/she gets the permit. Others state that the child does not have to be added to the policy until he/she gets a license.

Assume coverage and hope for the best?

Don't even think of calling Geico, they will automatically add your child to the policy and you HAVE to pay for it or sign an exclusion, just for asking.

As far as I understand, your insurance agency has to cover anything that happens while your child is driving and you are beside him/her even if you concealed the fact that they were driving under a parental negligence claim.

Then, after he or she obtains his/her license, then go and make sure they are insured.

Insurance Contract Obligations

Your insurance contract likely has wording that says you have an obligation to report changes such as this. It is the same language that makes it mandatory to report accidents. A lot of companies don't start charging for the child until they get a regular or graduated license, however.

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Related Questions

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If a person with only a learners permit gets a reckless driving ticket, they will have to pay the ticket. Depending on the state they may be required to attend classes, and their insurance rates will go up.

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If you are with someone that is teaching you how to drive I think that is the person who gets the ticket.

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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.

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You must have insurance to operate a motor vehicle. Either the Learner can obtain Liability Insurance or The Owner of the vehicle you are learning to drive, can have you placed on their insurance policy. Being on a learners permit does not exclude you from financial responsibility requirements of the law. When the learner gets his permanent license and drives on their own the law requires that driver to be covered either as an addition to parent's policy or an individual policy. I have been through this three times with my three teenagers in the past three and a half years here in Texas. Go to Texas.gov website or call insurance agent.

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According to the officers I spoke with two years ago when my 17-yo moved out, no. The parent is not legally or financially responsible for the child, except...it is my understanding that if the child is still covered by your insurance, you are still responsible for whatever medical bills are incurred that are not covered by the insurance until the child is no longer covered or is taken off the policy. Also, if there is an accident or the child is hurt, the parent is not automatically notified, either, because in the eyes of the state, the child is an "adult." BUT, if your child has a driver's permit, you will need to revoke it, because you CAN be held liable for any accident your child causes while only being in possession of a permit. But if that child doesn't have a permit and drives anyway, and gets in an accident or anything, that child is responsible, not you, only so long as you revoke the permit and take him off your auto insurance.

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Well the one child policy in china wasn't an issue for them at the moment in fact it will reduse but before it gets too bad they should recheck there math and change it to a 2 child policy. So to answer your question yes it will be a futur problem if not addressed

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According to Liberty Mutual, in most states, when a teen has their permit and is learning to drive under supervision in the vehicle, they are automatically covered under their parent's insurance. To clarify, it depends on your state and you will have to contact Liberty Mutual to find out.

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Whatever age you are at when the 18 year old gets their permit to start driving!

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Yes, you can but you must know the laws there because you may be fined for something you don't know about. Rules could be different but if you live there and drive with Maryland tag for a long time ex change of address, go mva and get new tags for car. I was wondering, coulod you help me with a question : If a person in ' Maryland gets a second learners permit, do you have to wait another six months Yes, but car tags have to change if you live( have permanent address in there) any other questions feel free to email me: Lisa_Oziel@hotmail.com

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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.

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Yes, the parents insurance does go up when you add your child even if it is only a learner's permit. If you have more questions, I would contact your insurance company.

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In the United States, insurance goes up about 13 percent once a child gets a learner's permit. However, it generally depends on your actual insurance company and their premium policies.

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No. The unmarried mother gets to name the child.No. The unmarried mother gets to name the child.No. The unmarried mother gets to name the child.No. The unmarried mother gets to name the child.

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A child who gets everything he wants. A spoiled child is one that gets what they want whether it is good for them or not.

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Yes. Even if your "ex" gets married the child is still your child and you have to support your own child.

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Well, if it is on your property, and you didn't cause much damage, you can't get in very much trouble. But, if it was on an actual road, you can get in trouble big time, especially if you don't have the proper insurance.

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Depends upon the state in which you reside, as well as the company. Check with your state's Department of Insurance. If you mean, "Will the parents' insurance go up once a teenage driver gets his/her learner's permit and begins driving," the answer is "yes." The parents insurance rates would reflect the increased risk of having a teenage driver on the policy. Short of excluding the teen driver on the policy and making him buy his own insurance, there are ways to lessen the increased rate. One is to enroll the teen in a driver's ed course (he'd need to attend and pass the course, naturally). Another is to avoid letting your teen drive sports cars or vehicles associated with roll-overs (ie, think of getting a "Honda Civic" type car). And, of course, a good record on the teen's part is helpful. If you look at some of the other questions on this general topic, you will see that with MOST insurance companies, you don't even have to add the child with the learner's permit to your policy, they are automatically insured. BUT YOU MUST DOUBLE CHECK WITH YOUR INSURANCE COMPANY. I got my learner's permit last year, and my parent's insurance HAS NOT GONE UP.

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Child support is dependent upon the age of the child, not the employment of the child. Also, technically, it is not the child who gets child support, it is the child's custodial parent or guardian who gets child support to assist in supporting the child.

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The answer is no. You do not stop paying child support if the mother gets married. The child is still your child and you have the responsibility to provide support for your own child.

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While your teen is learning to drive, be sure to inform your auto insurance company that you have a "permitted driver" (meaning they have their permit, but not their license) in your household. This means that your permitted driver will be allowed to drive a vehicle listed for your household, as long as a parent or guardian is in the passenger seat. Your policy will not be financially impacted until he or she becomes a licensed driver, so make sure he or she has been added to your policy.

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No. a learners permit(I.P.) license is only good for your issueing state.. if you are going to be in IL. long enough to get some driving pratice in just as well get a IL. I.P learners.. states differ to much in driving laws and so on to legal drive on any out of state regular class license for any longer than reasonable time to get a license in that state, LOL the issueing state gets all the moneys.. minus of course costs.. materials..ect. California is not making a dime from you driving on a IL license lol


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