by Guest » Wed Jun 27, 2012 01:29 pm
MY boy doesn't have his own driving license even. The insurer wants me to include him under my insurance policy. Isn't this plain wrong? How can a person without a driver's license have auto insurance coverage?
Posted: Mon Jul 09, 2012 12:24 pm Post Subject: Coverage for unlicensed driver
The policy is in your name, i suppose. So, you're the primary driver in this case.
Yes, your insurer might ask you to include your son under your policy. Auto insurance is applicable for unlicensed drivers as well.
Posted: Mon Jul 09, 2012 12:53 pm Post Subject:
I suspect that he has a learners permit? If not than you need to speak to your agent about this and ask why an unlicensed driver needs to have insurance. If you don't get a good answer, file a complaint with your states Dept of Ins. Your carrier cannot collect a premium when no risk exists.
Posted: Mon Jul 09, 2012 10:47 pm Post Subject:
Auto insurance is applicable for unlicensed drivers as well.
Really? Under what circumstances? Most policies exclude coverage when a driver is uninsured -- the insurance company has not had an opportunity to rate that person and collect a premium for coverage.
Most "permissive use" clauses in a personal auto policy are explicit that the permitted driver must hold a valid license.
A child lawfully operating a vehicle under a learner's permit does so only because there is a licensed driver in the vehicle and the child's parent(s) has certified to the state that financial responsibility exists to cover the child's driving. The child should be "known" to the insurance company.
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