Do You Need Auto Insurance If You Have a Learner’s Permit?
Do you need auto insurance if you have a learner’s permit? This is a question that comes to mind for most young drivers and their parents. The car that the permitted driver practices in (with a licensed adult) must be insured.
This means that if a driver has a learner’s permit and will be learning on his or her parents’ car, it’s the parents’ insurance that will cover the driver during this time.
Whether the permitted driver is required to be a listed, rated driver on the insurance policy depends on the state and the insurance carrier. This should be verified with the insurance company. For example, the parents of the permit driver may need to formally notify the insurance company that their son or daughter has a learner’s permit and will be driving the family car. Most insurance companies do not charge extra during the learning process, but will begin charging when the student driver becomes a licensed driver. Families should always contact their auto insurance carrier to make sure that all drivers are covered.
This content is offered for educational purposes only and does not represent contractual agreements. The definitions, terms and coverages in a given policy may be different than those suggested here and such policy will be governed by the language contained therein. No warranty or appropriateness for a specific purpose is expressed or implied.