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

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

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

One Name Wonders: The Alluring Allure of the Single-Name Star

Beyond Beyoncé: How Celebrities Achieve Mononym Magic

Family First, But Business Savvy: The Dos and Don’ts of Hiring Family

Blood, Sweat, and Sales: A Guide to Hiring Family for Your Small Business

Life Insurance: Unraveling the Mystery (No Shady Business Here)!

Life Insurance FAQs: Unveiling the Mysteries and Myths (Without the Gimmicks!)

Gone But Not Forgotten: The Era of the Full-Service Station

A Blast from the Past: Remembering the Golden Age of Full-Service Gas Stations

Selling Your House? Navigate the Maze with These 4 Options

Unveiling the Maze of Selling Your Home: Realtors, Discount Brokers, FSBO, and Cash Buyers

Beyond the Buzzer: Fun & Funky Facts About Your Favorite Game Shows!

From Heavy Wheels to Sneaky Buzzer Tricks: Unveiling the Secrets of Game Show Production

Home Office Hustle: When Working Remote Turns into Running a Business

Working from Home or Running a Business? How to Tell (and How to Insure Yourself)

Life Insurance Claims: Demystifying the Process (So You Can Get What You’re Owed)

Life Insurance Claims: A Simple Guide to Getting What You Deserve

Selling Your Used Car? Polish It Up, Snap It Up, and Sell It Smart!

Conquering the Used Car Sale: A Guide to Getting Top Dollar

Curb Appeal on a Budget: From Bland Yard to Backyard Bliss

Landscaping Magic: Unveiling the Budget-Friendly Path to a Stunning Home Exterior