Wednesday, February 10th, 2010 at
Teen auto insurance
Jon Sturgatt : Utah : Can I lend my car to my teenage son who is just 16? What if he meets with an accident?
Teen auto insurance
Response : If you lend a car to your teenage son who is a minor and does not have a license than you would defintely be resposible. Yes, if he meets with an accident than you would be responsible as an adult and the insurance company would not pay.
However, with the as per the latest news as of February 9th there has been a pair of bills that has been advanced in a Seneate committtee. As per the bill the parents or adults liablity for loaning a car to a minor who crashes into some one else. Till now the insurance companies were not paying for the claims and where dragging the investigations, but now as per the bill SB70 and SB62. For more details you can go to
Salt Lake Tribune
Also the parents would not be spare if they loan the car to a person known to be impaired or otherwise especially risky on the roads.
My personal advice would be not to lend a car to the minor unless you have already named him or her as a driver of your car. This way he or she would be insured. Yes, the premium might be high but there are ways of obtaining cheap auto insurance or cheap car insurance which you can see here.
Thanks.
Kamlesh.
Teen auto insurance
Monday, November 30th, 2009 at
Teen auto insurance
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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Teen auto insurance
Thursday, July 16th, 2009 at
Teen auto insurance
Chris (Okalahoma) : Do you have to add your child to your car insurance if they drive only occasionally?
Response: The Law requires that all drivers operating a motor vehicle on public roads carry proof of financial responsibility. There is no exception for those who drive only occasionally. If you occasionally drive on public roads then you need liability insurance on those occasions. This would mean that as an adult you would be responsible for the liability caused by your child since the child is minor.
Secondly all licensed household members should be listed. Especially , young teens are more likely to be involved in an accident because of inexperience. . Even if it’s an “old car” and you can easily replace it liability for injury to another person or property is what really can be costly. Since this 17 year old is still a minor if he/she hurts someone YOU ARE RESPONSIBLE! And that can run you into the thousands of dollars and your insurance company won’t pay a dime if the dhal was not listed on your policy. Even for the slightly older child, say 18 to 20 something, whom some have argued doesn’t have much to lose. How about a court that orders his/her wages to be garnished for the next decade to pay for damages?
Last but not least, if you have failed to include all the members on the policy who are driving, the insurance company can refuse your claim on grounds of misrepresentation and even cancel your policy.
Teen auto insurance
