My son got his permit 3 months ago. He is driving my car without his name as driver.
The local agent says he is good as long as his name is not excluded.
His name is not excluded on the paper.
Is he good driving this vehicle?
Posted by Royal-Athlete4693
16 Comments
If he got pulled over, the vehicle has insurance and probably wouldn’t get a ticket for anything insurance related.
If he gets into an accident you would likely have no coverage at all.
He needs to be added to your insurance and I would also recommend a new agent that is actually looking out for your best interest.
That may depend on your specific policy language. Some say licensed drivers in household need to be disclosed and rated, if he has a permit that wouldn’t meet the definition of a licensed driver. Once he gets his license however he likely will need to be rated and listed on the policy.
This was the case for my son. He didn’t need to be on the policy until he received his driver’s license.
Depends on the state. In many you do not need to be added until you have a full license, others require permitted drivers, and some require all household members even if unlicensed. I would believe your agent.
Generally, insurance companies want to know of every driving age person in your household.
Even if you swear that they’ll never operate any of your autos, there can be errors, lapses, a need to jockey cars around, unblock someone, etc
Insurance doesn’t only cover vehicle damage. It also covers bodily injury. Hypothetical: he’s on a full school bus that is hit by a crowded tour bus. A lot of people are injured. If the claims exceed the two buses’ policy limits, your auto insurance may become the secondary to pay for his medical costs.
its what our agent told us too
This is very much going to depend on your location. Where I am if he got into an accident it would be covered but it wouldn’t in other places. Regardless, the proper thing to do is add him to your policy.
Many carriers do not allow an individual to be listed as a driver until they have obtained their drivers license. They are considered to be covered when a named driver on the policy is in the vehicle with them.
Depends on what State and insurance company. Some states a person with a learners permit don’t have to be named as a driver as they cannot drive without a fully licensed driver beside them. Some insurance companies may want all people of driving age to be on the policy whether they drive or not.
Other states with PIP coverage want all family members from new born to elderly listed as long as they live at the same address.
I’d guess as long as the required “adult” is in the vehicle with them, there won’t be issues.
I’m in California, and I was told by two different agents at our insurance company (because I called back a second time to be sure) that they don’t add a permitted teenager as a driver on the policy until they get their actual driver’s license. They said as long as my husband or I, who are named on the policy, are in the car with her – which we have to be until she gets her license – then we’re covered.
Depends on your insurance company. I have Geico and anyone I allow to drive my vehicle is covered as long as they are not a excluded driver
Is he driving with a named driver in the car? Should be good.
In the state of California, I either have to pay to be able to let my child who’s under 18 drive any of our cars, or I have to deliberately exclude him.
But that is only with a license. A permi driver means that you’re with the person or some adult that’s on the policy is with your son every time. Very different.
As noted, the rules for insurance for any individual varies by state and by age.
Once your kid has a license it’s a different story. I’ve never heard of a young person getting access to a vehicle and the insurance not going up dramatically. Seriously. If you’re just paying for you and your spouse are just for you and your kids driving without you, and they’re not actually listed as a driver, if there’s an accident, that’s when you’ll find out you’re hosed
But a permit driver is under your supervision.
Read your policy renewal paperwork.
In Maine, you can be added as “Uses my autos and has a permit,” and there’s no additional premium or fees.