Top Answer
User Avatar
Wiki User
Answered 2011-09-13 00:29:11

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.

User Avatar

Your Answer

Answer questions to earn points!


Related Questions

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.

If your child has a learners permit and does not drive your cars do they need insurance?

If they're not driving anything of yours, they don't need to be insured for your vehicles. However, if you have a child with a learner's permit, your insurance rates will likely be affected, regardless.

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

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.

Does your car insurance go up if your teenager gets his driving permit?

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.

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.

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.

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

In Michigan if a child can move out of their parents home at age 17 then are the parents still legally or financially responsible for the child?

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.

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.

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?

How much does insurance go up if you get a learner's permit?

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.

Does one need auto insurance to drive with a learner's permit in New Jersey?

Insurance and Learners permitsYes, All 50 U.S. states require that a driver carry the appropriate Financial Responsibility. There is No exception of law in any U.S. state for a learners permit.A Drivers or Learners "Permit" is permission to drive and therefore a temporary license with certain restrictions.You can obtain your own insurance or you can be covered under someone else's policy such as the vehicle owners or your parents or legal guardians insurance policy but you must have coverage.If you are a minor then you can still obtain auto insurance, but due to contract law your parent or guardian will have to countersign the insurance application. It's almost always cheaper to be added to your parents policy. A Drivers Permit comes with all the responsibilities of anyone who operates a motor vehicle on public roads, including your financial responsibility.More answersSome Insurance companies have underwriting guidelines that do not require the insured to schedule a newly permitted child of the insured on the policy until after they have graduated from the learners permit to a full license. This has led many people to erroneously assume that this is a matter of law when it is not, It is simply the policy of that particular company not to charge you while your child is learning. Most companies require that all drivers be scheduled within 30 days of licensing or permitting. So Make sure you check with the insurance company first.In Texas a dealer is required by law to verify that you have Insurance before you can drive the car off the lot. The law does not require you be over 18, only that you have the proper insurance.Drive safe - Buckle up.Auto insuranceYou would need insurance if you are operating the vehicle on public roadYou can lose everything you have if you have an accident and are not insured. The other party can obtain a judgment which can follow you for years or your parents if you are a minor.Other Opinions When our teenaged boys received learner's permits (the last in 2007) the company told us they were covered under our policy. We did not have to add them to our policy until they received drivers licenses at age 16. Other companies may have different policies. Your insurance company can provide definitive answers.

Can you keep the health insurance you get from your parents if you get married?

It depends on the insurance company, but I personally have never known of a company that would allow a parent to continue to carry insurance on a child after that child married, because at that point, you are no longer a 'dependant' of your parents.

What is minimum age a minor can be insured?

There are many kinds of insurance. If you are asking about life insurance or health insurance, the minimum age is "at birth." If you are asking about auto insurance, the minimum age is "when they receive their driving permit." Call the insurer the day the permit is issued to have the child added to the parents' policy. I cannot speak to all insurers, but Geico (my insurer) doesn't charge premiums for kids who have driving permits, but does charge when they receive their license.

Who is the child and adolescent learners?

Child and adolescent learners are learners that are under the age of 18. Typically, when it comes to children and adults the learning techniques used differ.

Does the insurance go up if you get a learners permit?

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.

How old can a child be and stay on parents health insurance?

It depends, I am 20 and still on my parents insurance, But i am also a full time student. I also have to say that I am still living in my parents home.

If a child has insurance on one of the parents cars but drives the other parents car is she still insured?

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

If a 17-year-old has his own insurance in North Carolina will his parents' insurance premiums go up?

That depends on weather or not your 17 year old has their insurance on the parents policy. It will go up if the child is on the parents policy, but if the child has their own policy, it won't. But it will be cheaper if the child is added on to the parents policy. My husband is a North Carolina State Trooper so I know alot about insurance. Also, call around and go online for the cheapest rates.

Whose medical insurance covers your child if both parents are insured?

In order for your child to have insurance coverage, your child would need to be listed as a covered person on the policy, and a premium would need to have been collected for the child. Even if both parents are insured, if your child isn't on the policy and has not been considered as a portion of the premium, then there is no coverage.

When to get car insurance for new child driver?

Check with your Insurance Agent/Company to be specific. Definately as soon as they receive their license. At the very least, the insurance company should be aware of the new driver as soon as they get their permit.

Still have questions?

Trending Questions
Unanswered Questions
Is rice pudding ok for dogs? Asked By Wiki User
Why we require Microsoft paint? Asked By Wiki User
What is saging ternate? Asked By Wiki User