Teen auto insurance : Driving without supervison with learners permit.
Howie Schultz :This has reference with teen auto insurance. If you drive on a learners permit without an adult in the car and get in an accident will auto insurance pay for the damages?
Response : Howie, if a teenager is driving a car with a learners permit without an adult in the car than the insurance company will not cover you provided you are a named driver on your parents policy. Secondly most insurance policies have an exclsuion stating that the learner cannot drive the car without supervison. However, it would depend on your carrier and if you go to the court of law, than the insurance company will atleast have to pay the auto insurance liability but can deny the car insurance damges since the insurance company can state the exclusion that the driving license was not there. Here you will have to remember that when you go to the court of law, you will have to pay whatever the DMV penalty prevails in your state about breaking the law and driving the car without supervision.
If your parents have not covered you than you than the insurance company will not pay since you are not covered under the policy and your parents and you will have to pay for the liabiltiy out of your pocket.
It is most advisable to break the rules, since teen auto insurance is rated as a high risk and by doing this, your car insurance rate will always hike up. Shop around for cheap teen auto insurance quote, drive safe and do not break the rules.
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Ya i agree with you. The company will not cover insurance.every driver should drive vehicle under the supervision of the parents and should take precautions before driving for making the driver aware of traffic rules to overcome accidents.