Do You Need Insurance With A Permit
If your teen has a learner s permit it may be a good idea to add them to your car insurance policy.
Do you need insurance with a permit. Usually car insurance companies extend the parents policies to include the permitted teen. Each insurance company has its own requirements. Once the teen becomes a licensed driver he or she will need car insurance whether that means formally adding the teen to the parents policy or having the teen purchase. While your teens have permits do they need separate insurance with a learner s permit or can they simply tag onto yours.
You probably do not need to add a teen with a learner s permit to your insurance but you should check with your insurer to make sure you should take this life change of your teen starting to drive to reexamine your existing coverage limits. However the car being driven must be insured. In other words your car insurance does not go up the moment you get your learner s permit but it can in the near future. Yes with certain car insurance companies it s possible to get a policy with only a learner s permit but there s a catch typically you will need to get a driver s license within a short period of time usually 30 to 45 days to start a car insurance policy with most auto insurance providers.
Often a driver with a permit will have a cheaper rate than a newly licensed driver. Not all insurance carriers are the same. Most insurance carriers want you to have the permit driver listed on the car insurance policy as a permitted driver. The exact answer comes down to your specific car insurance policy.
That way if your learner driver is involved in a car accident you could file a claim with your insurer and your car insurance policy would typically help pay for related expenses. Most state laws do not require a beginning driver with a learner s permit to carry her own coverage. Often if you have one vehicle and two drivers the permitted driver can be a secondary driver instead of a primary driver. Different insurance carriers have different requirements about adding a teenager who has obtained a learner s permit to your auto insurance policy.
In addition the insurance company might require you to start the policy with a driver who has a. But there are certain circumstances where you might not need car insurance as you could be automatically covered by your parent s or significant other s policy. You can also get a surety bond for 35 000 from a company licensed to do business in california said ruiz. In general permit holders don t need car insurance in the classic sense.
However you have your own reservations not the least of which is what this will mean in terms of insurance. If you don t have auto insurance there are other ways to cover yourself.
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