Teaching Your Teen to Drive and Other Terrifying Things
Teaching Your Teen to Drive and Other Terrifying Things
There are few things as terrifying as teaching a teen to drive. Sure, you’re afraid for their life. You’re also afraid for your own. As they lurch into traffic (and God help you if you have a manual transmission), there are a few things that might flash before your eyes. Your insurance coverage is probably one of them.
Let’s get down to the basics.
Is Your Kid Even Covered?
This is a more complicated question than you might think. In general, auto insurance follows your car rather than the driver. So whether you lend your car to your friend Bob or you have your kid drive it, the car itself is covered. But there’s an exception to this, which is why you should call an independent insurance agent before hitting the road.
Most insurance companies do require that you list the drivers in your household. It’s assumed the drivers in your household are going to use your car more than others. And your insurance rates can go up based on this. So it’s very possible that you at least need to notify your insurance company about your kid starting to drive.
What If Your Kid Does Something Stupid?
When kids are just learning to drive, there’s a lot of dumb things they can do. It’s perfectly normal. But many of these things will still be covered under your insurance.
- What if your teen gets into an accident with their learner’s permit? As long as they were still following the rules with a licensed driver in the car, your insurance will cover it. However, if they were alone, your insurance might not cover it.
- Are you liable if your teen gets into an expensive accident? Yup. As the owner of the auto insurance, your policy is going to be impacted by your teen’s accident.
- What if your teen damages your car? If your teen damages your car, but not in an accident (such as a parking lot mistake), you’d better hope you have comprehensive insurance. Collision only covers damage during an accident.
Even for the most conscientious, responsible teen, learning to drive is a dangerous time. Most people will have the vast majority of their auto accidents in their teen years and early 20s, just because they aren’t yet well-developed drivers. Call an independent insurance agent today to make sure you have the coverage you need.
Do you have questions about your insurance? Find an insurance agent near you with our Agent Finder
Search All Blogs
Search All Blogs
Read More Blogs
More Than Just a Game: 5 Baseball Movies You Should See
Beyond the diamond: 5 baseball movies that will resonate with you.
The Unsung Hero: Insuring the Value of a Stay-at-Home Parent
Why life insurance is crucial for stay-at-home parents: Protecting your family’s financial future.
Hidden Factors That Impact Your Car Insurance Rates
Beyond the obvious: Factors that impact your car insurance rates.
Poolside Paradise or Poolside Pitfalls? The Realities of Owning a Home Pool
Thinking of buying a home with a pool? Consider these important factors.
Five Must-See American Landmarks: A Journey Through Engineering and History
Explore these iconic American landmarks: From the Gateway Arch to Mount Rushmore.
Small Business Marketing on a Budget: 8 Creative Strategies
Boost your business without breaking the bank: 8 affordable marketing strategies.
Is Your Auto Insurance Outdated? Time for a Policy Review
Save money on car insurance: It’s easier than you think.
How to Avoid Overpaying for Homeowners Insurance
Is your homeowners insurance costing you too much? Learn how to avoid overpaying.
Why Do Kids Love Dinosaurs So Much?
Unlocking the mystery: Why kids are obsessed with dinosaurs.
Exploring the Diverse World of Vegetarianism: A Guide to Different Types
More than just “no meat”: Discover the different types of vegetarian diets.