laws for insuring teenagers
2007-02-18 12:59:24 · 12 answers · asked by jerryg432008 1 in Cars & Transportation ➔ Insurance & Registration
Yes, they have to be insured on the policy. Many parents say that their kids never drive their vehicles but there will be a day when you let them run to the store with it. There is always the potential that they might drive. The only way would be to have the drivers license revoked (many states allow parents to revoke a license until age 18) or have him excluded as a driver. This is NEVER a good idea. When they are excluded there is absolutely no coverage if your teenager is driving. (you let them back up out of the driveway and they hit a parked car. You get to pay for the damages)
You have to add them to your policy. The best way to do this is ask your agent for the difference in premium and have them pay for it.
2007-02-19 01:46:07 · answer #1 · answered by blb 5 · 0⤊ 0⤋
If they have a drivers license and live with you, then yes. At least in my state. As a matter of fact, they don't even actually have to live in the same household, just close enough. The insurance company is really insuring the car and anyone who drives it. Your teenager only has to have the "potential" to legally drive the car in order to be considered a "risk" by the insurance company.
2007-02-18 13:21:29 · answer #2 · answered by TheDougmeister 4 · 1⤊ 0⤋
You do not have to list them as a driver on your policy, but you will have to sign what's called a 'Named Driver Exclusion' which basically states that you are not allowing the teenager to drive your vehicle. Some companies will not pay damages incurred by an excluded driver unless you file a police report saying your vehicle was taken without permission. If you do not do sign an exclusion, and the teenager does drive your vehicle and gets into an accident, the insurance company will be reluctant about paying out your claim and may even cancel your policy. Not all companies offer a driver exclusion option, so you may want to check with your company. If they don't you'll have to switch.
2007-02-20 09:13:32 · answer #3 · answered by Angie 1 · 0⤊ 0⤋
I believe the deal is that once a teenager obtains his or her license, the insurance company considered him or her to be able to drive any car under you insurance. In other words, whether or not he/she drives the cars insured, once they obtain their licenses, they are liabilities and must be covered. It is somewhat of a dumb rule, considering, I recall when I was 16 and got my license, my parents had a corvette, and although I was NEVER ever allowed to drive it... ever..... I still had to be considered a licensed driver in the household and therefore a potential "driver" of the car. Good Luck.
2007-02-18 15:10:06 · answer #4 · answered by Alexandra 3 · 1⤊ 0⤋
If you don't want to insure them, you will have to write an exclusion in your policy. Insuring teens is very expensive, especially if it is a boy. When my twins turned sixteen,my insurance rates doubled by adding them. Good luck.
2007-02-19 04:56:27 · answer #5 · answered by fisherwoman 6 · 0⤊ 0⤋
Insurance goes with the car, not the driver.
2007-02-18 13:02:20 · answer #6 · answered by mystery_me 4 · 2⤊ 0⤋
No but you would have to sign a letter from your insurance company that would exempt your teenager. This would save you money but it also mean's that there would be no coverage at all if they ever drove your vehicle.
2007-02-18 16:14:43 · answer #7 · answered by handk45 1 · 1⤊ 0⤋
no but you have to insure the if they drive any car
2007-02-18 13:02:31 · answer #8 · answered by walter_b_marvin 5 · 2⤊ 0⤋
state laws could vary but i was told that if my son lives w/me the potential exists for him to operate my car, so i had to put him on my insc
state of WI
2007-02-18 16:14:02 · answer #9 · answered by Anonymous · 1⤊ 0⤋
ask your local insurance companys or police, is the best bet.
2007-02-18 13:08:10 · answer #10 · answered by ButwhatdoIno? 6 · 0⤊ 0⤋