When do you have to add your teenager to your auto policy?

When do you have to add your teenager to your auto insurance policy?

This is a question I get asked all the time and I have heard all kinds of wrong answers. Let’s talk about it!

Most insurance companies require that all people that live at your address that have a driver’s license are added to your policy or can show proof that they have a policy of their own. This includes your children.

In Kentucky, a teenager can get a beginner’s permit at 16 years of age. This permit requires that a legal parent or guardian is in the car with them at all time and they must keep a log of hours driven, including night-time hours. You are not required to add them to you policy during this stage.

After the requirements have been met, a youthful driver can get their intermediate permit. This doesn’t require a parent to ride along and there are some time restrictions that must be followed.

IT IS AT THIS TIME YOU MUST ADD THEM TO YOUR POLICY.

Your rates will definitely go up, but you don’t want to put yourself in a position where a carrier won’t pay a claim because the driver wasn’t added or to be canceled because you didn’t have your new driver added. And, it may not be as expensive as you may think!

Always discuss any changes in your household with your insurance agent so they can make sure you have the proper coverage in place to keep you protected.

https://drive.ky.gov/driver-licensing/Pages/Graduated-Driver-Licensing-Program.aspx