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The person providing access to a vehicle should provide coverage for all persons they allow to operate their vehicle. Should you provide access and fail to provide coverage you can be held personally liable for any damage the child does. If the child somehow obtains the vehicle on his own then liability may fall to the legal gaurdians depending on the circumstances of legal gaurdianship and control.

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โˆ™ 2008-02-27 07:49:44
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Q: Who should carry insurance on a teen driver when she resides in a household that is not her legal guardians?
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Do most insurers require parents or guardians to pay premiums for a minor driver with a permit?

Yes, most insurers require parents or guardians to pay premiums for a minor driver with a permit. In most cases, insurance rates will rise if a minor resides in the home who is of driving age, whether they acquire a permit to drive or not.


Does your auto insurance company have to cover your son's accident even if he's not listed as a household driver?

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Is insurance required for a teenage driver who lives with you but received license from non-custodial parent and only drives when with them?

This teenager did not get a license from the non-custodial parent. He got it from the State. And if he is licensed and resides in your household, your insurance company needs to know. He just might have to drive you to the ER or something.


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If it is a licensed driver and in your household, then they should be added to your policy.


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Do you have to add your teenage driver to your insurance?

Yes. Some states will not cover an accident if a household member is not listed on the policy.


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Can you add a named driver on your insurance if you are unrelated and don't live in the same household?

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