if my child has a drivers permit, do i need to let my insurance know in order for him to drive the car?
Free Insurance Quote Comparison
Secured with SHA-256 Encryption
|
Written by
Jeffrey Johnson
|
UPDATED: Apr 1, 2011
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
Insurance Question from Del Rosa, CA
Asked on 04/01/2011
if my child has a drivers permit, do i need to let my insurance know in order for him to drive the car? NULL
Answer given on April 01, 2011
If your child has only the permit for driving, you do not have to tell the insurance company about them. Insurance companies cannot actually add a driver to the policy until they have an actual license. It is at that time you need to advise your company about the young driver.
If there is an accident involving your child, the insurance company will most likely contact you to find out about the child. You would then tell them that there is only a permit at the time and there will be no impact on your rates. However, once licensed, the insurance company can immediately add the surcharge, if applicable, for the accident.
Once licensed, your child will have a higher rate due to their lack of driving experience. You can help reduce the costs with credits that should be available. The most common is a good student discount. Your child is required to have a B, or 3.0 average. You would provide a copy of the latest grades to be eligible for this discount. Some insurance companies offer other discounts if the child watches a video. That discount is aboutk 10%, and well worth the 15–20 minutes it takes to watch the video. Talk to your insurance agent to see if there are any other discounts that may be available.
IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.