am i covered under my parents policy?

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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?

Answer 1

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.

Answer 2

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.

Answer 3

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.

Answer 4

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 insurance discounts. I sent my grades in for discounts from the time I started driving in high school until I graduated from college!

Answer 5

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.


  Comments: 8

  1. Willie hoven

    My son live in another county, if he borrowered my car to take home how long will it be cover

  2. My son 17 has no car insurance and live in the same house. Can he drive my car while I go with him? Will my insurance cover him too?

    • No. If he is driving an uninsured vehicle he is breaking the law. He must have the vehicle insured in his name. Or you insure the vehicle and add him as a driver. If you ride with him knowing he has no insurance, you are just as bad as he is.

      • That doesn’t seem to be correct. As stated the parents have insurance so the vehicle is insured and unless I am mistaken the owner of an insured vehicle as the right to loan their vehicle to a licensed driver. Their relationship to the owner should have no bearing on it.

    • No he will not be covered. He is of driving age and lives in the household with you he needs to be added to your policy as a driver. Even with you present in the vehicle insurance company can still refuse the claim.

      • Not true. In WI I can allow but daughter to drive my car and she lives in my house and my car still covered. I no from past experience. So it’s different each state.

  3. It is possible to add your teenage child to your auto insurance coverage as a parent. Such a move will obviously have its pros and cons. On the pro side, the rates might be cheaper than getting a new policy, especially if the parents have a good track record on their policy. Another benefit is that a parent will qualify for multi-car discount. On the other hand, the premiums might be very high if the parents have a poor safety record.

  4. “Whatever you do, don’t drive without insurance. Not only is it illegal in the US, it is financially dangerous” Incorrect. It is actually much more financially dangerous to (legally) be FORCED to pay for a ‘service’, on a costly, month to month basis. Lets say a driver has a ‘good record’ according to varying standards throughout the industry, AS WELL AS a up to date and good pay history. What does this so called ‘service’ that he/she has been obediently been paying for do? Anything and everything possible to not have to uphold their end of the contract. Even IF you do get reimbursued for losses through said organization, it results in a future rate hike that you must pay, EVEN IF YOUR NOT AT FAULT. Also, the duration varies state to state. What a joke.

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