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 Posted: Tue Jul 10, 2007 5:20 am Post subject: learners permit |
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Insurance on 15 yr. old w/ Learners Permit. What is the law on that? im trying to find out the laws on auto insurance for someone who has a learners permit.
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danielle as guest
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| Posted: Tue Jul 10, 2007 9:04 am Post subject: |
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| The general answer is no, you can't get an insurance with your learner's permit. Most of the big firms (like – State Farm) will not insure you if you don't have a valid driving license. The reason is very simple, with a learner's permit you cannot be held responsible for an accident. But you can get coverage under your parent's insurance if they enlist you in it. |
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Juanita
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| Posted: Tue Jul 10, 2007 9:30 am Post subject: |
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Hi Danielle,
Depending on your state of residence and your age you may get insurance with your learner's permit. Some insurance companies insure drivers with learner's permit, who are over 16 years. However, getting insurance with a learner's permit is not easy and quite expensive too. Anyways, you can call up some of the insurance agents of your state and describe your situation to them. They will be able to tell you the quotes and also the terms and conditions. Even you can try shopping online.
Regards'
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fatman
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| Posted: Tue Jul 10, 2007 10:46 am Post subject: |
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Hello Danielle!
Normally an insurance company will not insure you with a learner's permit. But even if they do, they may require you to take out the policy jointly with a driver who has a driving license. Otherwise you may ask your parents to include you in their policy too. Jess
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Jess
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| Posted: Tue Jul 10, 2007 4:17 pm Post subject: |
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Hi danielle as guest,
If the car that you are driving have auto insurance then that car will automatically cover you. No need to buy any insurance at this stage. 
Thanks
Cyrus
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cyrus
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| Posted: Mon Aug 20, 2007 4:48 pm Post subject: |
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OK, a kid with a learner's permit. This isn't a state laws question, it's an insurer question. I am not aware of ANY state that requires a person with a learner's permit to buy insurance coverage. It IS required that any vehicle that the learner drives IS insured. Normally, that would be the permitted driver's parents in most situations.
There are states (almost all) that require their insurance contracts to have "permissive use" language that will cover anyone driving the insured vehicle with the owner's permissions and a valid DRIVER'S LICENSE. There are certain high-risk policies issued to non-standard drivers that will NOT cover permissive use.
Also, to get things straight (important), most carriers do not require that permitted drivers be added to the parent's policy, but there are those that DO require you add these drivers to the policy. Those companies have the opinion that rookie drivers add to the insurance company's exposure, or risk, and will insist they be added at extra (normally) premium.
Soooo...CHECK WITH YOUR INSURER and READ THE POLICY!
Good Luck! 
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InsTeacher
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