Reader’s Question:

Should I add my teen in my policy before she can drive my car? I live in CT. Thank you.

Regine

Good Question Regine.

It is not the law of state that requires a parent to list or add a newly licensed child to their auto insurance policy but instead the insurance provider’s guidelines that require the child to be added in the policy.

Almost all insurance providers require that you add all licensed motorist in your household on your insurance policy so that they will be properly covered to operate your cars. If your child has just received their permit you should call your insurance provider to check if you need to list your child now or if you can wait until they are fully licensed before adding your child in your policy.

If the insurance provider is not notified of the licensing status of your teen and is not listed as an additional driver and then he or she operates your vehicle, it is possible that a claim will be denied by the insurance company. Some may cover the claim but then you will have to pay for the premiums that should have been paid previously for the teen to be on the policy.

You may contact the Connecticut Insurance Department (CID) if you have any questions regarding the CT car insurance.

Goodluck!

MariCAR