The following is an exported forum post from our discontinued forum. If you would like to reply to this old forum post, please post a comment below.
i just got my license and want to start driving. i’m 19 and live in washington dc. my parents have insurance. does this automatically mean that I am covered? my friend said that they don’t need to insure me, only the cars. is this true?
so, do i need insurance? or can i just drive their cars without it?
Unfortunately, your parents will need to add you to their policy. You cannot just drive their cars without insurance (even if the cars are insured).
The way it works is this – your parents buy insurance policies for the cars in their household. They need to add all drivers in the household under this policy. If you live under the same roof as them, and drive the car, yet aren’t a policy holder and get into an accident, you won’t be covered.
Getting listed under your parents policy will cost you extra money, but it shouldn’t be too expensive. Take a look at this article for information related to insurance for teenage drivers.
Whatever you do, don’t drive without insurance. Not only is it illegal in the US, it is financially dangerous. If you get into an accident without insurance, your parents’ insurance company could deny coverage and cripple your family monetarily.
Nice question and great answer. The car my parents own is insured and it has a policy which states that the driver will be covered. So if I am driving that car, I am automatically covered.
You will need to get insured. Your parent’s policy may have a special protection for occasional driver it is very uncommon.
There are two angles on car insurance protection, the cars and the drivers. Variables are distinct to each angle. For example, the model, the car value, the annual mileage, the anti-theft system are variables specific to the car. Your age, your driving record and your credit score are variables specific to the driver.
The combination of all these variables will define your risk and your premium. Don’t worry, insurance price for occasional driver is averagely 50% cheaper than regular insurance.
Since you do need to be on their insurance and it may or may not raise their rates I definitely wanted to recommend keeping an eye out for teen driver car insurancediscounts. I sent my grades in for discounts from the time I started driving in high school until I graduated from college!
I hope you aren’t confusing the issue here and driving uninsured. Generally speaking, your parents can allow you to drive their car under their insurance as long as you don’t live in their house without adding you as a driver. If you DO live in their house, you are NOT covered under their policy just because it says that licensed drivers they give permission to are covered. The exclusion is for people within the same household. You ought to double check with the insurance agent handling your parents policy. I know you probably would be tempted not to rock the boat and just keep on the way you are, but it won’t be worth it if you are in an accident. The insurance company can and probably will refuse to pay and a lot of problems can ensue.