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UPDATED: Aug 27, 2013
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Insurance Question from Midway, UT
Asked on 08/27/2013
teenager insurance My daughter recently received her full drivers licence and I have been informed by my auto insurance agent that unless I put my daughter (16) on my auto insurance she will have to relinquish her licence , Is this true
Answer given on August 29, 2013
If your daughter is now licensed, and a member of your household, the insurance company has a right to add her to your policy as a driver and charge the appropriate rate. If you refuse to add her to the policy then the insurance company can exclude her from your policy, which would mean there is no insurance coverage for her if she drives your car. It does not necessarily mean she will have to relinquish her license.You should add her to your policy so she is properly insured if she uses your car. She can borrow another person’s car whether she is insured under your policy or not, but if they do not have insurance, then any accident she might cause would fall back to her. Without insurance, she would be financially responsible for any damages.Your agent or insurance company can give you an estimate as to the cost to add her to your policy. If you have fewer cars than drivers, she would be rated as an occasional operator. She would also be eligible for discounts as a good student, and sometimes discounts if she takes a driving course or watches a video provided by your insurance company. Make sure you ask about all possible discounts.
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