Teen Driver Accident But Not On Parents Insurance Policy – What Happens?

Reader’s Question:

If my teen daughter is not on my car insurance policy in Phoenix, Arizona and got into an accident, will she be covered?

Gary

Phoenix, AZ

In most cases there would not be coverage at all if your daughter is not on your car insurance policy and got into an accident. Insurance carriers have to be aware of the risk they are covering that is why many insurance providers require that all licensed household members be added on the car insurance policy. You should verify with your car insurance agent or insurance carrier to know exactly if this loss would be covered.

When a young driver gets their learners permit or drivers license you need to notify your car insurance company about their license status. I know we are all worried when it is time to insure our teenagers.

Comparison shop for young drivers prices would be able to help you get lower car insurance quote in Phoenix, Arizona. You can get some comparison prices for automobile insurance quotes here by just placing your zip code in the box above.

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I Need a Cheap Used Vehicle Insurance Quote In Arizona

Reader’s Question:

Next month I am planning to purchase a used car, but before I do so I would like to know if I would need to purchase car insurance first for that car in Glendale, Arizona.

James

Glendale, AZ

You would probably need to obtain car insurance before taking over the ownership of the used car in many states if this is your first car. If you have car insurance already and you are just replacing a car on your current car insurance policy in Arizona the insurance coverage might insure your used car that you are planning to purchase for a few days. To be sure you will have to verify with your state laws and insurance carrier.

Keep in mind that Before you purchase a new or used vehicle you will need to contact your car insurance carrier to inform them about the vehicle you might buy. The insurance company should be able to give you a car insurance quote of what it will cost you to add the used car to your car insurance policy, which can assist you budget for your vehicle purchase. Your insurance provider can then let you know when you should give them a call and add the used vehicle you purchased so it will be properly covered.