Coverage & Claims

Must I list my children on my policy if they have a learners permit or a drivers license in the state of New York?

Thank you for the question. In short, you will run into issues with your insurance company if you are not listing all household members.
Dec 29, 2019 North Babylon, NY

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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.
May 10, 2019 Columbia, SC

General Insurance

When do I need to add my child with a learners permit to car insurance

You should add your daughter and the new car to your policy if she'll eventually be driving it once she gets her license. This will prevent the insurance company from having any reason to deny a claim in the event of an accident. If you're interested in learning more information regarding car insurance for teens, see our guides below: Car insurance for teens Car insurance for 16-year-olds Car insurance for 17-year-olds Car insurance for 18-year-olds If you have any further questions, don't hesitate to ask.
May 6, 2019 Largo, FL


How do I handle insurance for my license's test?

Yes, there are several companies that will insure you with a learner's permit. Not all companies will do it but most will.
Jan 14, 2019 Windham, CT

Car Insurance Costs Coverage & Claims

Should I file a claim if I only have a learners permit?

Unfortunately, I'm not an insurance adjuster which means I cannot tell you how much it will cost to repair the damage. However, if you do not want to have a claim filed for the accident, you can offer to pay for the damages out of pocket.
Oct 14, 2018 Yakima, WA

Car Insurance Costs

Will my insurance company cover someone not on my policy?

Unfortunately, this is not a straight-forward answer. While there are a lot of factors that determine whether or not your insurance company will pay for the damages, the number one thing to consider is if your policy has permissive use.
Jul 1, 2018 Austell, GA

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.
Mar 29, 2018 Somerset, New Jersey

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.
Nov 21, 2017 Goswell, Georgia

Boat Insurance Coverage & Claims General Insurance

How will my insurance handle a claim where I backed my boat into another truck at the dock?

The simple is, yes, you will have to file 2 claims. The damage to your boat would have to be claimed on your boat insurance policy.
Jul 16, 2017 Fenton, MO
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