Beginner Driver Insurance Pennsylvania PA
Filed under: Free insurance quotes, SR22 insurance, Teen car insurance
Reader’s Question:
My 19-year-old daughter is a beginner driver. She just got her permit. We’re from Pennsylvania. Does the state require her to have car insurance coverage? Do you think I should get her one?
Michael
Pittsburgh, PA
The requirements for beginner drivers are different from state to state. I believe that in Pennsylvania, those with only a learner’s permit aren’t required to have a car insurance coverage. So, your daughter won’t need a car insurance coverage until she finally gets her driver’s license. She might not even have to be listed as a driver yet.
However, when on the road, she must always be accompanied by an adult who is a licensed driver. So in your case, I advise that you inform your car insurance provider about your concern and ask whether or not she can be covered. Getting her covered is really up to the car insurance company.
Commonly, parents have their kids listed under their policy. If she only has a learner’s permit, I hear some car insurance companies won’t even charge you for it. Some can also sell car insurance coverage to those with only a learner’s permit, provided that they obtain their driver’s license after a certain period of time, like 30 days or so.
When she finally gets her license, you have two options. You can purchase a separate car insurance policy for her or as mentioned earlier, you can include her in your car insurance coverage. But as of now, the fact that you have car insurance coverage might be enough. Just be sure to discuss this with your car insurance provider.
Tags: auto insurance, Beginner car insurance
Young Driver Insurance Pittsburgh, Pennsylvania PA
Reader’s Question:
I have a son who uses my car every now and then, and sometimes he sneaks out and takes the car with him. You know kids. Now, I want to ask if my son is covered by my insurance when he’s driving my car here in Pittsburgh, Pennsylvania.
Ames
Pittsburgh, PA
Ames, that is tough. I also have a kid in his teenage years, and I can relate to what you are going through. The kids of this generation are just too difficult to handle. In any case, to answer your question, if you could check with your auto insurance carrier there in Pittsburgh, Pennsylvania, I am pretty sure that they’ll give you very high premiums. You know, this is all about business and making money.
However, I believe it varies with every auto insurance company. For some, you will be covered as the holder of the policy unless another driver uses your vehicle. For others, if the driver involved in a car accident lives in your home, I think the company will add that driver into your policy regardless of who is at fault, but he shall be excluded from the policy in the future. If you check with some vehicle insurance companies, they initially ask the driver applying for the policy to declare all the drivers in their household. But I think there still are a number of factors to consider. If the policy covers only those drivers residing in the same household as the holder of the policy, in the event that a visitor arrives like a relative, and he uses the car and gets into a vehicular accident, is he not going to be covered by the policy? From what I know, most companies would ask the driver purchasing the policy to disclose all drivers that are frequently going to be using the car for accurate coverage. To put all of these to simpler words, only the listed drivers are going to be covered.
Tags: auto insurance, Student car insurance, teen insurance, Young driver car insurance
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