by cheribelle57 » Sun Mar 16, 2008 01:07 am
My son is 17. His Dad and I are divorced and live in separate states. I added my son to my auto insurance policy so he could get his driver's license. A month later, his Dad gave him a car to use. I just found out that my son is NOT listed on his Dad's auto insurance policy as an inexperienced teen age driver. Is this illegal? How can I get my son off my policy without proof that he is covered on another policy? Cheryl
Posted: Thu Oct 09, 2008 12:03 pm Post Subject:
it's generally cheaper to buy the kid a beater and carry liability only rather than adding them to an expensive newer car of mom and dads...least it was in our case.
Posted: Thu Oct 09, 2008 01:47 pm Post Subject:
Daughter turned 16 and can get license, once I get proof of insurance.
My advice would be to keep your daughter on the permit as long as possible. She is covered while driving your vehicle with the permit, since you are normally with her in the vehicle.
Like Lori mentioned, many parents make the mistake of buying their new teen driver a brand new sports car for their first vehicle and act surprised when the auto insurance premium goes through the roof.
You obviously want your daughter driving a safe vehicle in reasonably good condition, but get her one that isn't financed, where you can start with minimum coverage and not suffer a tremendous loss if she wrecks it.
Posted: Thu Oct 09, 2008 02:53 pm Post Subject:
Thats really a good idea and probaly would have happened anyway. When my son was nearing his 16 birthday we got a good beater given to us for him. I wanted to see how he would treat this type of vehicle before either lending him one of ours or helping him toward a good one. He took quite a few bad roads in life and we decided to not get his license so we never took it any further. At least now I know that my line of thinking (beater) is a good one not just for responsibility but insurance purposes also.
Posted: Fri Oct 10, 2008 08:51 am Post Subject:
Like Lori mentioned, many parents make the mistake of buying their new teen driver a brand new sports car for their first vehicle and act surprised when the auto insurance premium goes through the roof.
Or they tear it up...! kills me when parents had a 16 yr old a brand new car that they bought for them and then are surprised that they don't take care of it...amazing.Posted: Fri Oct 10, 2008 05:32 pm Post Subject:
Have you ever watched that show on cable "My sweet 16"? It is about rich kids and the parties their parents throw for them and the cars they get. I am talking Jonus Bro's as their entertainment and porches as their first vehicle. Should have added the word "fantasy" in their title for this show.
Posted: Fri Nov 02, 2012 05:37 am Post Subject: Who adds new driver to car policy in MN
My x is the custodial parent of our 16 year old. We split visitation time and I pay him child support. Who should add our son to their insurance policy in MN. I heard that it is not neccessary that we both add him, but one parent needs to add him and the other parent informs their insurance company that he has coverage through the other parent.
Posted: Tue Apr 30, 2013 06:28 am Post Subject: teen insurance
My husband and ihave recently split. We had auto coverage together. Our oldest child now has his license. I now have a new policy with new company that covers myself and my son as an occasional driver. If he drives his fathers vehicle that is not at same residence and does not have him listed on his policy, does he have coverage? I am in mass. I want tor make sure i dont have to pay for ex's vehicle or other damage if an accident did occur.
Posted: Tue Apr 30, 2013 10:26 am Post Subject:
Depends whose name the car is on and accordingly it needs to be insured.
Posted: Wed May 15, 2013 01:30 pm Post Subject:
The insurance is determined on the basis on whose name the car is.
Posted: Tue Feb 21, 2017 06:10 pm Post Subject: John
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