I am in the process of changing my insurance details to make it more affordable and it’s not finalized yet. I asked a customer service rep at my insurer’s office if I didn’t get the changes made yet can my teen still drive my vehicle until it’s finalized and she told me that as long as I’ve giving them permission to drive the vehicle and they don’t just "take" it then it’s like giving permission to any family member to drive your vehicle and they are covered? Is this true?
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{ 6 comments… read them below or add one }
Yup.
HI!
I am not familiar with New Jersey Insurance laws, here in Michigan we must add our teens to our insurance if they are to drive our car. Otherwise if there is any type of accident (our fault or theirs) our insurance will not pay. Adding a teenager is very costly here also.
What I’m about to say is true for all states.
Not only do you tell your insurance that you have a new licensed teen driver, but you also tell them what percentage they will actually be driving the car.
If you have more than one car, you can designate what percentage they would drive each car.
When my son got his license he was listed as driver 50 % of the time for the convertable and I was listed 50% of the time.
He was listed 1% driver for my newer and more expensive car.
Since I expected he’d only drive my new expensive car about 3 days each year.
The Homecoming Dance.
The Turn about Dance in Feb.
The Prom in May.
So they assumed he was driving the convertable 100% of the time and the price for that car’s insurance went up.
Since he had good grades that was factored in so it didn’t cost me an arm and a leg, just a few fingers.
So if your teen is a member of the Honor Club or National Honor Socieithy, talk about that with your agent to get the good student discount.
And what that stupid Gecko says on TV is correct.
Check them out too.
Yes, and being forthcoming about this information will improve the handling of your account in the event that your teen has an accident. It sounds like you have done this, and you are just waiting for the paperwork to go through. You should be all set, but brace yourself for a large increase in premium!
They will cover any *insured* family member driving your car.
I have my car and my wife has hers. If I get into an accident driving her car, the insurance will cover it. If my daughter, who is not listed on my insurance, is driving and gets into an accident, it is not covered.