I have a question regarding auto insurance and my 17-year-old son driving under a learner's permit with parent

Question

We live in the state of Alabama, and I have full coverage insurance on my car. My son, who lives with me, has a learner's permit, but not his license, and only drives on occasion, always with me (his mother) in the car. Do I need to notify my insurance company that he is driving with me under a learner's permit so that he will be listed as a "driver" on my policy (even though he does not have his official license as yet)? Or do I notify my insurance company only once he actually has his drivers license?

Answer 1

Without reading your policy form, most of the time you don't need to add them until they actually have a license.

Technically, the only policy form I've ever seen that requires you to add a person under permit, is Progressive's and Leader's. I've read other policies from companies that WANT you to add them when they get their permit (thus charging you a higher premium, earlier), but the POLICY form refers to "licensed driver", so the company would have to cover a permitted driver.

I'd call your agent, anonymously, and ask them "hypothetically". That's the safest way.

Answer 2

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Answer 3

I am a insurance agent in the state of ky, i sell insurance for nationwide insurance. nationwide as a compayn does require the driver to be added t o the policy because at that time the driver becomes a potential risk. Anytime they get behind the wheel there is a chance of a accident occuring. I would think it is the same with any company anymore. A lot of times people jsut don't say anything to keep from paying the premuims.

Answer 4

Your insurance company needs to know about all persons resident in your household who are of legal age to drive. They will either be listed as authorized drivers (such as your son) or as not authorized drivers on your policy. Anyone listed as "not authorized" may not drive any vehicle for which that status applies, for any reason.

So, yes, since your son does drive now, he must be on your policy as an authorized driver. The fact that he is on a learner's permit only means that he is restricted to operating the vehicle in accordance with AL law.

Answer 5

You can call the insurance and list him as a driver on the policy. They are not suppose to charge for him until he gets his license.

Answer 6

I have full coverage insurance for myself and when my kids had their learners permit i did not need any extra insurance until they had there full license.The coverage was good for both in canada and usa.

at the time i did check with my insurance agent and that is what he told me.

phil

Answer 7

No. Not until he has actually gotten his own drivers license will you need to contact the insurance company.

Answer 8

I live in Fl. and at the time my son was learning/training under a learners permit we "were not" required to add him. And we had nationwide insurance. My agent said we weren't required under fl. law to add until he passed and obtained his regular license.
The best person to ask is your agent. If you can't ask them then call your drivers license office.

Answer 9

as far as I understand the rules vary depending on the state and the insurrance company for example. My insurrance company wanted to know about my brother even though it wasnt even likely that I was going to let him drive. but in the state of Utah the rules where different and I had to list everyone that might be a pontential driver.

Answer 10

hes covered as long as an insured driver is in the car with him. noitfy your insurance company when he gets his license and see if they have any good student incentives for lower rates.