Do I have to pay for a different auto insurance policy (that costs
alot more)here in Oregon to allow my 16 year old son to drive our vehicles?
I was told by a former ins agent, this is a scam to get more in premiums, when it is not required by law.
2006-08-23 08:21:17 · 16 answers · asked by aukijoli 1 in Cars & Transportation ➔ Insurance & Registration
If he's driving your cars, he really can't get his own policy because he doesn't own a car that would need insurance. I don't know about Oregon, but that's pretty much insurance all around. And your policy will go up because he is a higher risk. Much higher.
2006-08-23 16:05:50 · answer #1 · answered by Chris 5 · 0⤊ 0⤋
Here's the deal...you don't need a separate policy, but you do need to add him onto your existing policy as a secondary driver, or else they can and will deny any claims should he be in an accident while driving one of your vehicles. This is pretty much standard stuff with most insurers. As far as being required by law...if he's driving, he's required to be insured somehow, either on his own or as a secondary driver on your policy. Now your insurer might want him to have his own policy because it's a lot more money for them, but it's not required. If they're pushing it at you, you might want to shop around for a different company.
You don't want him to have a separate policy...especially if you'll be paying the premiums because a stand-alone policy would be huge money at his age. It's much cheaper to have him added on your insurance as a secondary driver.
Hope this helped.
2006-08-23 08:32:29 · answer #2 · answered by answerman63 5 · 0⤊ 0⤋
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RE Do I have to pay more for my 16 yr old to drive?
Do I have to pay for a different auto insurance policy (that costs
alot more)here in Oregon to allow my 16 year old son to drive our vehicles?
I was told by a former ins agent, this is a scam to get more in premiums, when it is not required by law.
2014-09-19 17:26:39 · answer #3 · answered by Quinn 1 · 0⤊ 0⤋
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RE Do I have to pay more for my 16 yr old to drive?
Do I have to pay for a different auto insurance policy (that costs
alot more)here in Oregon to allow my 16 year old son to drive our vehicles?
I was told by a former ins agent, this is a scam to get more in premiums, when it is not required by law.
2014-09-30 22:40:10 · answer #4 · answered by Anonymous · 0⤊ 0⤋
You betcha! I was an licensed independent agent here in Indiana (until I decided to switch fields) and once a 16 year old was added to the policy, the rates went up. Typically, boys' rates are higher than girls but a LOT of the girls I had to add to policies had tickets up the ying-yang (and didn't seem to think that it was a problem!). I would get them a beater and have them get PLPD, medical and if your state is not a no-fault state, uninsured and underinsured motorist coverage.
2006-08-23 10:34:02 · answer #5 · answered by Anonymous · 0⤊ 0⤋
It isn't a law but is a rule of the insurance company. They find out you have a teen using your car daily you will be CANCELED. Then it will be almost impossible to get coverage. The reason it costs so much to insure a teen is because of the dramatic increase of risk to your vehicle and to others when a 16 year old is behind the wheel....even you can understand this one.
2006-08-23 16:10:20 · answer #6 · answered by Anonymous · 0⤊ 0⤋
It may be a scam, but it is required in most states. A "former" ins agent? That may give you a clue right there. While anyone can probably drive your car and be covered, if he is driving and has an accident and is a member of your family, same address and all, it could cause the claim to not be covered. Tricky wording in policies.
I wouldn't chance it myself.
2006-08-23 08:23:51 · answer #7 · answered by Chloe 6 · 0⤊ 0⤋
This entirely depends on the insurance agency. Most national companies do not require you to change your policy. They will, however, charge a lot more to add a 16 year old to your policy than they would to add a 25 year old, obviously.
You shouldn't have to change policies, though.
2006-08-23 08:24:10 · answer #8 · answered by xithor 2 · 1⤊ 0⤋
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2016-11-05 11:30:19 · answer #9 · answered by ? 4 · 0⤊ 0⤋
It doesn't really matter if it's required by law or not. Your insurance co DOES require it, and the law requires that you have insurance, so YES....you do have to pay more.
And, for good reason.....Most of the young drivers are gonna do some hefty damage to their vehicle and to the vehicles of others.
2006-08-23 08:24:49 · answer #10 · answered by Anonymous · 0⤊ 0⤋