If I’m under 18 and am currently on my parents insurance and have gotten into an accident will it affect me when I get my own insurance?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jun 14, 2016

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Insurance Question from Terryville, CT

Asked on 06/14/2016

If I’m under 18 and am currently on my parents insurance and have gotten into an accident will it affect me when I get my own insurance? NULL

Answer given on June 21, 2016

If you are currently listed as a driver on your parent’s insurance policy and have a chargeable accident, then there is a surcharge on their insurance policy for your accident. If there was no injury in the accident the surcharge will be lower than if there was bodily injury.If you get your own car and get a separate insurance policy the surcharge for the accident will move over to your insurance policy and come off of your parents policy. Considering your age and already having an at fault accident, your rates could be substantially higher, since you will not be eligible for the multi car discount that your parents are probably receiving.Shop around for insurance, but consider the company that your parents are using since they will have a history with you and you may be eligible for some discounts from your parents.Even though you will be removed as a listed driver on your parents policy, you will still be able to drive their car.


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