If my wife has a learners permit and wants to drive with me in the drivers seat, does she need to be insured with auto insurance? And will see also need to be insured to take the road test?
Will the DMV require that my wife is also on the registration of the car being used to take the road test? Thank you.
2006-12-12 07:26:29 · 7 answers · asked by pc 1 in Cars & Transportation ➔ Insurance & Registration
Most companies do not require unlicensed drivers to be added until they receive a full driver's license. The caveat to that is that if she is out driving alone and violating her permit, they may non-renew your policy. You should contact your insurer, just to be sure.
The second question - does she need to be covered with insurance. In most cases, she is automatically a named insured on the policy because she is your spouse; further, she is a family member living in the same household. Unless you have a non-standard type policy, she's automatically covered no matter what.
Third question - she does not have to be on the registration to take the road test.
2006-12-13 15:22:39 · answer #1 · answered by cassee_ame 2 · 0⤊ 0⤋
Your insurance covers you for anyone driving your vehicle for your permission.
Technically, you are supposed to advise your insurance company that your wife will be driving. Your premiums will probably go up quite a bit since she is an inexperienced driver. Many people dont tell their insurance companies. Whether or not she is listed, you still have coverage.
DMV does not need to see that she is insured... just make sure the car is registered/insured/inspected and that she has a valid permit. Your wife does not need to be on the registration in order to take the road test.
If you dont tell your insurance co about your wife, they probably wont find out unless she gets into an accident with one of your vehicles. If they do find out they will probably just add her (and increase your rates) although they may non-renew your policy.
Regardless, you have coverage for her driving your vehicle even if she is not listed on the policy.
2006-12-12 07:54:22 · answer #2 · answered by NY1Krr 4 · 0⤊ 0⤋
1) You may wish to list her as an occasional driver, however, as long as the vehicle is insured by someone and the registration is valid, it should not be an issue.
2) If your insurance is valid, she does not need to be named on the insurance policy to use your car for the drivers test. It just needs to be valid insurance.
3) No, she does not need to be on the offical registration documents.
2006-12-12 07:39:40 · answer #3 · answered by sovereign_carrie 5 · 0⤊ 0⤋
Call your insurance company to find out their policy. I know it's a pain, but better safe than sorry. : )
As far as registration, she shouldn't have to be on it to take the driver's test.
2006-12-12 07:35:33 · answer #4 · answered by Anonymous · 0⤊ 0⤋
Insurance companies will list her as a restricted driver until she has a valid state license.
2006-12-12 07:32:09 · answer #5 · answered by Anonymous · 0⤊ 0⤋
If you want your insurance to cover damages she might incur than get her covered.
DMV never asked me about insurance for driving license, only for vehicle registration.
2006-12-12 07:35:45 · answer #6 · answered by kate 7 · 0⤊ 0⤋
he cant force the automobile by myself on a novices allow he has to have a man or woman within the automobile with a liscense.if you're with him and permit him force and get in an twist of fate you must nonetheless be insured,to be certain ask your vehicle coverage agent.
2016-09-03 13:45:31 · answer #7 · answered by Anonymous · 0⤊ 0⤋