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

Buzz Your
Insurance Agent

Search for a local agent with our agent finder map.

Agent Finder

Search All Blogs

Search
Generic filters
Exact matches only
Search in title
Search in content
Search in excerpt

Buzz Your
Insurance Agent

Search for a local agent with our agent finder map.

Agent Finder

Want to learn more about our blog writer?

Read more about KayLynn's background.

Click Here

Search All Blogs

Search
Generic filters
Exact matches only
Search in title
Search in content
Search in excerpt

First Jobs of Famous People

The Mundane Starts to Some Exceptional Careers

Sharpening the Marketing Axe For Your Business

How Using The Right Tools Can Take Your Business Marketing to The Next Level

Setting a Life Insurance Goal

You May Have Goals For Savings and Investments. What About Life Insurance?

Automotive British Speak

What The Brits Call Their Cars, Parts, and Features

The Benefits of Buying a New Constructed Home

See Why Many Younger Homebuyers are Choosing New Construction

When Did Super Bowl Halftime Shows Become Such a Big Deal?

For Years Traditional Marching Bands Served as Entertainment For NFL’s Biggest Game

Why You May Be Required to Have Business Insurance

While The Law May Not Require it, Other Factors May Dictate The Need For Business Insurance

Should You Have Life Insurance? HINT: Ask Your Spouse

Odds Are Your Spouse Would Want You to Have More Life Insurance Coverage

Changes in the Auto Industry You May Have Missed

The Brands, Models, and Features That Have Come and Gone

Six Things You Will Not Regret Splurging On

You Deserve to Have These Items Without Buyer’s Regret