Teen Driver Accident But Not On Parents Insurance Policy
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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Teen Driver Auto Insurance Quotes in Phoenix Arizona
Reader’s Question:
I just got my driver’s license but I do not have auto insurance yet in Phoenix, Arizona. I just want to know if I drive my friend’s vehicle even though I do not have car insurance? Can I get a quote from you guys?
Jim
Phoenix, Arizona
It depends on the guidelines of the insurance provider of your friend’s vehicle you want to operate if you can drive their car legally and be covered by insurance. In most states both the car and the driver need insurance and in others just the car so you will have to verify with the Department of Motor Vehicles to check what your state requires with regards insurance coverage.
If you just got your driver’s license and reside with your parents they should tell their insurance provider of your licensing status in Phoenix, Arizona. Normally you would have to be listed to their car insurance policy to be properly covered. So if you are going to borrow your friend’s vehicle, it would be up to the terms of your friend’s car insurance policy whether you would be covered by their insurance.
Generally though, a person’s automobile insurance will cover those that the owner provides permission to drive the car but some car insurance policies have exclusions for covering certain people.
Adding Teen Driver To Your Car Insurance In Arizona
Reader’s Question:
I have my teenager listed on my own car insurance policy in Phoenix, Arizona. He reared a brand new mustang and we had to make claims from our insurer. Will my car insurance premium go up upon renewal if my policy should expire?
Tom
That is one big crash to your bank account if you didn’t have car insurance policy. Your insurer must be in a bad shape after paying for the damages on that mustang! For most insurers, accident rate of listed drivers will definitely affect car insurance premiums. In fact, being accident prone and high probability of road accidents for teenage drivers is reason enough for your premiums to get raised by your car insurer.
You might experience irreversible results for now on your car insurance premium’s possible increased rates because of that accident. However, you can always ask the insurance regulating agency to check if you are not overcharged if any increase happens. Your insurer in Phoenix will be more than happy to explain to you their rating system.
A good way too for you to check if your rates are reasonable is to shop around for free quotes online. You can get good quotes from around Arizona through this website and I think it is wise for you to do that. Once you submit your zip code, you will be given a comparison chart for local insurers in your area who can give you some free quotes. Once you have those quotes, simply compare that to the probable new rate you might be charged by your present insurer and see if you are not charged too high.
I hope your car insurance rate would not increase as much!
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