As a Parent Am I Required To Have My Teen Driver Added To My Auto Insurance?
Reader’s Question:
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.
Cheap Teen Automobile Insurance New Jersey
Reader’s Question:
We purchased a new vehicle for our seventeen year old daughter and we would like to get a separate car insurance policy for her so we will not be liable if anything happens. But our car insurance company in Paterson, New Jersey said that we will still be held responsible in case of accident, is this correct?
Anna
Paterson, NJ
Generally, yes, it is true that you will still be responsible as parent to a minor. In many states, a minor will require consent from their parents. In most states, a teenager will need to get their parent’s consent form before they can get their drivers license that state that parent’s will be held liable for any negligent acts that will cause damages.
In the state of New Jersey, I not aware of any age restrictions on getting car insurance if you only have provisional license or learners permit. Normally you will need to have your parent’s consent before you can purchase car insurance if you are still a minor since you will need to sign to a legal binding paperwork. So, if you are still seventeen years old and planning to purchase car insurance in New Jersey, then you would need to have your parent or legal guardian to sign the car insurance policy with you.
It is much cheaper to add your child in your car insurance policy in Paterson, New Jersey than having a separate car insurance policy for your daughter. You may consider to get umbrella policy to protect your assets.
Car Insurance For 18 Year Old Teen Driver With SR22
Reader’s Question:
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
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