![]() Source: Insurance Institute for Highway Safety Instead of having his or her premium spread out during all the months he was licensed, it will be due all at once. If you do, and your child is in an accident, your car insurance company could deny coverage stating you committed fraud, specifically material misrepresentation, by not informing it of the licensed driver.Īlternatively, your insurer may cover the accident but then require you to pay all premiums that should have been paid since your child was licensed. Kansas teen driving log driver#What happens if I don’t add my teenager to my car insurance?ĭon’t try to beat the system by failing to add your teen driver to your policy. If your child doesn’t have a permit or license, your insurance company may still list him or her on the policy, but as unlicensed and unrated. Insurers receive reports that list residents at your address and will know you have a teenager. However, don’t be surprised if your insurance company asks you about your teen and if he or she is licensed. If your child wants to wait to get a license, that will certainly save you money. Thus, you should contact your car insurance provider before your child gets his or her permit to find out when your current insurer requires you to add your teen driver. However, not all insurance companies follow this guideline some companies require you to add teens and start paying premiums for them once they receive their permit. At the permit stage, the driver must have a licensed driver over the age of 21 in the passenger seat to supervise, making the teen much less of a risk. Many car insurance companies allow parents to list a teen with a learner’s permit on the policy at no charge until the child becomes a fully licensed driver or turns 18 years of age (whichever is first). Instead, when to add a teen driver varies depending on state laws, as well as your insurance company’s internal guidelines. One of the most common questions from parents of teens is when to add a teenage driver to insurance? There is no standard rule on whether you should add your teen when he or she gets his permit or wait until your child progresses to a license. When to add a teen driver to your auto insurance policy
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