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Old 09-04-2010, 08:17 AM
 
1,153 posts, read 3,420,627 times
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wondering if my 16 year old with a driver's permit needs to be put on my auto insurance
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Old 09-04-2010, 09:31 AM
 
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Deeds --

It actually varies by insurance company. Some require it and some don't. If your insurance company has a website - I'd try searching there first - otherwise give them a call.
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Old 09-04-2010, 10:41 AM
PDD
 
Location: The Sand Hills of NC
8,773 posts, read 17,103,493 times
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I don't know what the law requires but common sense says to keep your kid and their bad driving records off your insurance policy.
Many kids today think that fender benders are part of a learning curve that you go through while actually learning to drive.

It takes about 15 minutes to learn how to go forward, back up, turn , stop. It takes a couple of years to learn how to drive properly.

Of course I am one of those mean parents that didn't let the kids drive my car or hop on to my insurance policy.
They had their own cars and insurance.

I can't imagine how parents today cope with cell phone talking/texting teens and learning how to drive.
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Old 09-04-2010, 11:23 PM
 
Location: NJ
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Assuming your 16 year old is driving your car what happens if you don't put him on and he has an accident? Can't be good.
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Old 09-05-2010, 08:31 AM
 
13,905 posts, read 24,133,367 times
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None of my sons went on our auto insurance with a permit. They were added when they got their licenses. That was the case even though we lived in a different state each time one of them qualified for a permit, and with three different insurance companies. A permit holding driver must have a licensed driver in the car, who holds the insurance.
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Old 09-05-2010, 10:53 PM
 
Location: Pennsylvania & New Jersey
1,532 posts, read 4,054,419 times
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Quote:
Originally Posted by Mattie View Post
None of my sons went on our auto insurance with a permit. They were added when they got their licenses. That was the case even though we lived in a different state each time one of them qualified for a permit, and with three different insurance companies. A permit holding driver must have a licensed driver in the car, who holds the insurance.
What he said...
The licensed driver accepts 100% of the responsibility when (s)he lets the permitted driver drive under his/her supervision.
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Old 09-06-2010, 08:58 AM
 
Location: NJ
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What if the driver with a permit doesn't have anyone in the car?
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Old 09-06-2010, 10:19 AM
 
Location: NJ & NV
5,713 posts, read 15,437,240 times
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Quote:
Originally Posted by manderly6 View Post
What if the driver with a permit doesn't have anyone in the car?
Well, assuming the rules are the same, he/she isn't supposed to drive without a licensed driver in the car anyway.
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Old 09-06-2010, 10:24 AM
 
Location: NJ
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Originally Posted by captne76 View Post
Well, assuming the rules are the same, he/she isn't supposed to drive without a licensed driver in the car anyway.
I realize they are supposed to. I'm just wondering who is going to get sued if they do and have an accident. And if that happens if the insurance will cover it.
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Old 09-06-2010, 11:05 AM
 
Location: Pennsylvania & New Jersey
1,532 posts, read 4,054,419 times
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Quote:
Originally Posted by manderly6 View Post
I realize they are supposed to. I'm just wondering who is going to get sued if they do and have an accident. And if that happens if the insurance will cover it.
The person who "gets sued" is always the owner of the vehicle. If the owner knowingly lets an unlicensed individual drive the vehicle -- violating the law -- the insurance company is probably off the hook. However, if the vehicle is stolen by an unlicensed driver, the insurance is still in force.
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