Reader’s Question:

If a teenage driver, my 16 year old daughter, is not listed on the car insurance policy in Kenner, LA and gets in an accident, is she covered?

Lisa

Kenner, LA

In most cases there would not be coverage if your daughter is not included in your insurance policy in Kenner, LA and gets in an accident. Most insurance providers require that all household members and/or licensed drivers be disclosed on the car insurance policy. You should verify with your insurance agent or insurance carrier to determine if this damages would be covered.

When a young driver acquires their learners permit or drivers license a call to the insurance carrier is required. I know how hard it is when it is time to insure our teens.

Comparison shop for young teen driver’s prices. You can obtain some comparison prices for car insurance quotes here by just typing in your zip code in the box above to get started.

Tags: auto insurance, car insurance quotes, teen insurance

Reader’s Question:

Why do auto insurance companies in Fort Wayne, Indiana ask about young licensed drivers in the household even if they don’t drive the car? I gave my sisters name and the auto insurance agent told me that she would be excluded from my insurance policy. Why?

Hart

Fort Wayne, Indiana (IN)

Insurance providers in Fort Wayne, Indiana want to know about all licensed household members , young or old, so they can determine their potential risks for having you and these licensed drivers covered by your auto insurance policy. When you buy auto liability insurance there can be a vicarious risk assigned to the insurance provider to cover all household members. Many insurance providers will require that you either add licensed drivers in your household to the insurance policy or exclude them. The reason for this is that as household members it is assumed they have access to your cars and may drive them at any time.

Excluding your sister from your auto insurance policy would mean that you are not paying extra on your car insurance policy to have her as a driver and thus she is not extended any insurance coverage by your insurance policy if she were to operate your vehicle and be in an accident.

Tags: auto insurance, teen insurance, Young driver car insurance

Reader’s Question:

Im 17 years old residing in Greensboro, North Carolina. Can I register title and insure a vehicle under my name?

John

Greensboro, NC

According to the NC DOT their laws do not set a minimum age limit as to ownership of a car as long as the car owner can sign their name on the application of title. But a license plate cannot be issued without auto insurance on the car.

According to North Carolina DOT, insurance providers normally will require you to have a parent or guardian sign your insurance paperworks if you are under eighteen years of age and thus still considered a minor.

Once you find out the laws for registering and titling a car in Greensboro NC you then can contact insurance carriers for quotes and for their guidelines on a minor getting a car insurance policy. Most insurance providers will require a parent or guardian to sign on an car insurance policy with you since it is a legal document.

Tags: automobile, Business Auto Insurance, teen insurance, Young driver car insurance