When my 17 yr old son starts driving do I have to tell our auto insurance company?

by Roch Drives on May 15, 2007

LoveLane asked:


If he is driviing & gets in an accident – doesn’t the policy cover the car no matter who is driving?

Ronald

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{ 6 comments }

oklatom May 17, 2007 at 9:36 am

No. You agreed to notify the insurance of any change in your circumstances, and your 17 year old having a license surely meets that. He needs to be added to your policy, since most policies will not cover anyone under age 25 that isn’t listed.

Bitburger PilsMan May 19, 2007 at 2:41 am

Uh, I believe that they ask what licensed drivers are in the house.

You better inform them, just in case. Let’s say they don’t cover him because you forgot to mention he had a license and was driving your cars, and he runs into a Mercedes 560SEC.

$$$$$$$$$$$$$$$$$$$$

David M May 19, 2007 at 11:48 pm

You absolutely, without a doubt, certainly, must (MUST) tell your insurance company that your son is driving your car.

And expect your rates to change.

Prairie Girl May 21, 2007 at 10:53 pm

No the car will not be covered if you son drives it. Anyone under the age of 25 can not drive the car without being added to the coverage. You could however, give a family member or friend over the age of 25 permission to drive it and they would be covered. If your son is driving and has an accident you will be held responsible for the cost of repairs to both cars and for any injuries or death that results.
If you can’t afford to insure your son, tell him to get a summer job — he can earn enough in the summer to pay for insurance until next summer if you don’t want him to work during the school year. Of course all his money will go towards insurance — not girls, or fast food or movies. If he wants to drive bad enough he won’t mind working.

sweetroll May 22, 2007 at 11:43 pm

You have to add him to the policy. If you don’t you will be in deep sh*$ if he hits someone or vice versa.
Your rates will go up – probably a lot I am sorry to say, but you have to do it. The fact that he is not yet an adult has a lot to do with it too. Also that it is your car he is driving in the event that anything happens.
Our rate went up almost $70 a month and my daughter didn’t get her license till she was almost 18. She is 22 and it has only gone down about $10. However, if she is still on our policy with 5 years driving experience, it will go down to about an extra $20 a month next year. Way better that what she would pay on her own, which is about $130 per month and she is a good driver.

sensible_man May 25, 2007 at 5:37 am

Some insurance companies cover the “car”. Don’t trust that it is covered in your situation. Call and ask. Besides the fact that he may not be covered in an accident, you could be ticketed or sued for allowing an uninsured drive to operate your vehicle.