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