I live in Evansville, Indiana and my teenage son just got his drivers license. Am I required to inform my insurance carrier that he is already driving?

Ben

Evansville, IN

Yes, most insurance carrier require you to tell them of all licensed household drivers so you have tell your car insurance agent that your son already got his driver’s license. This means that he will have to be listed to your car insurance policy and be rated as a driver in your policy.

Insurance providers rules and guidelines vary but generally insurance providers will require you to add all licensed drivers in your household on your car insurance policy in Evansville, Indiana. Since your son has already obtained his drivers license your car insurance carrier should be informed and they will advise you if you are required to add your son or not, most likely you will have to add him in order for him to have coverage.

An insurance carrier is allowed to consider all resident operators of an insured automobile in rating of a car insurance policy. This includes your teen, even if he has only a learner’s permit.

I recently got my learner’s permit in Bethlehem Pennsylvania PA but I can never use the car without my father on my wheels! It’s so uncool! How can I shake my father off?

Jeff

Bethlehem PA

Jeff, let me explain where I am coming from: I am also a father. And I can tell you that there are many reasons why your father wants to be beside you when you drive the car. Of course, the very first obvious reason is your safety. Since you have just earned your learner’s permit, it is presumed that you are not yet as experienced on the road as your father and naturally he doesn’t want anything bad to happen to you. Second is that a learner’s permit has some restrictions, one of which is that you should only drive when you have an authorized driver beside you.

The next reason has got something to do with auto insurance. You see, insurance companies in Bethlehem Pennsylvania PA require that you declare any significant changes in your life that may affect your auto insurance policy. One of this will be authorized drivers of the vehicle. If it so happened that you got into an accident while you are driving it on your own with your learner’s permit, not only will your license be revoked, but also, your father will not be able to claim anything from his auto insurance company.

Many insurance companies in Bethlehem Pennsylvania PA require that your father (authorized driver) be with you all the time when you drive the insured car. So you see for now, you have to enjoy your father’s company while you drive the car. I am sure that your father will include you as an authorized driver once you get your proper driver’s license, in which case you can now drive the car on your own. This would entail costs, however and you might want to help your dad hasten the process by getting online quotes from sites like these. You see that little space on this page, Jeff? That’s where you enter your zip code to get free quotes. Just answer the questions and make sure to add yourself as a driver to get relevant quotes. I wish you a wonderful first-time driving experience, Jeff!

Do I need to have a CA driver’s license to be insured in the state of California? I will be a student but I do not want to give up my driver’s license in Hawaii.

Andrea

Central Coast, CA

No, you do not need a CA driver’s license to be insured in Central Coast, California with CA insurance on a car. You should be able to register and insure a car in the state of CA with your Hawaii driver’s license since you are a student and therefore would not normally fall into the resident category the state of California has in place.

If after you finished school you decided to live in California then you would need to change over your Hawaii license for a California driver’s license.

The CA Department of Motor Vehicles states that if you take a job in CA or become a resident in California, you must obtain a CA driver license within ten days.

You may contact the CA DMV directly if you have any questions with regards to how to register a car.

What average grade point does a seventeen year old boy in Madisonville, Kentucky have to have for car insurance discounts?

JImmy

Madisonville, KY

I am not aware of certain grade point average that a person must carry in order to be able to have car insurance in Madisonville Kentucky. The state of Kentucky does have a form of the No Pass, No Drive law though that authorizes the Kentucky Transportation Cabinet to have administration regulations with regards to a minor driver licensing applicant.

This administration regulation, KRS 186.400, requires participating schools to inform the Transportation Cabinet if a teenager withdraws from school or is academically deficient. Therefore as 17 year old and are deemed to be academically deficient and you drop out of a participating public school or you will lose your driver’s license.

What will the penalty be for a minor that is driving with no license and no insurance and hits someone?

Gerald

Thank you for asking Gerald.

It varies from state to state when it comes to penalties for driving without an insurance or a valid license. The penalties may include fines, jail time, community service, vehicle impoundment, license and registration suspension to name a few. Some states may do a combination of these punishments.

The consequences for this conviction is considered a serious offense especially if you got involved in an accident and do not have insurance. You may have to comply with the financial responsibility laws. This will also includes having to pay for any injuries or damages from the accident out of your own pocket.

These types of violations as a minor may permit your state’s licensing department to delay your application for driver’s license from going through once you do apply. In addition to that, these convictions will likely go on your driving record. Even being a minor without a license does not stop your state from starting a driving history to record these infractions.

If you were convicted for these offenses, to make sure what your penalties are , contact the court listed on your ticket and/or your state’s Department of Motor Vehicles.

Goodluck!

MariCAR

When I was 16 I received a ticket for driving without a license. Im 18 years old now and have been residing in Oklahoma for the past 2 years. I want to apply for the Oklahoma drivers license. Are they going to be able to know the ticket I received 2 years ago? Can I still apply for a license in my new state? Thank you.

Erwin

Thank you for asking Erwin.

It seems like you were convicted for driving without a license and without insurance when you were in Ohio. Even though you are a minor, if you drive without a driver’s license, Ohio could have started a driving record for you already and included these infraction. You will likely going to get points and convictions added on your MVR before you even have a license.

Its best if you took care of your ticket in Ohio previously by going to court or other means than you should contact the OH Bureau of Motor Vehicles (BMV) to straighten this out. If you ignored the conviction or moved to Oklahoma before your offense were handed out you need to take care of them now. You may contact Ohio’s BMV to make sure how to reinstate your license from suspension, so that you can obtain an OK license.

Goodluck!

MariCAR