Eligibility

Can I get car insurance with only a permit?

Yes, you can get insurance with a permit. You typically have 60 days to get your license, but every company is different.

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General Insurance

Do I have to add my son with a permit to our insurance

I would recommend speaking with your insurance company regarding their specific rules. But, given him using the vehicles often, I would imagine they will require him to be an added driver to the policy.

Coverage & Claims

My uninsured 15-year-old daughter got into an accident.

Given her young age, filing a claim will likely result in a huge increase in your premium because your insurer will probably require that she be added as a driver to your policy with an at-fault accident on her record. If you can afford to pay for the damage out of pocket, I would recommend doing that.
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