I’m Only 14 Years Old – Can I Legally Drive Now?
Reader’s Question:
I am only 14 years old and I would like to know if I can have a relative teach me how to drive in Canton, Ohio?
Ethan
Canton, OH
No, you cannot begin driving at the age of 14 in Canton Ohio. According to the Ohio law that the minimum age to begin driving legally is when you are fifteen years and six months year of age. In Ohio you can get a temporary permit if you are at least 15 years and 6 months of age so at the age of 14 you would be too young to get your temporary permit and be able to operate a car legally with a supervising adult driver.
So while you may want to begin to learn to operate a vehicle at the early age of fourteen doing so could get yourself and the owner of the vehicle you are driving cited by law enforcement officer and severe penalties. When you are old enough to operate a vehicle and have your permit or license then your parents will need to notify their insurance provider to be certain that you are properly covered by their car insurance policy
Car Insurance After Accident
Reader’s Question:
Whats going to happen if my vehicle is totaled in an accident?
Jim
Chicago, IL
When your vehicle is totaled, the insurance carrier has an obligation to “make you whole,” as that is defined in your car insurance policy.
Most car insurance policies value your car using Actual Cash Value. “Actual Cash Value” meaning replacement value less depreciation.
This essentially means that you have to be left in approximately the same financial position (with respect to the item insured – not in respect to any leases or liens that hold title to your vehicle) you were in before the accident.
If you have physical damage coverage (collision and comprehensive) the insurance carrier will typically write you a check for the actual cash value of the car, less any deductible on your car insurance policy. If the cash value is less than your current loan amount or if you are “upside down” (“Upside down” means owing more on a car than it’s worth.) on your loan or then you may consider GAP insurance. In this case, if you don’t have GAP insurance then you would be responsible toward your loan for the remaining balance.
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