Is it possible to get auto insurance with only a learner's permit?
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by: Jerry
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You have got a learner’s permit and you wish to have auto insurance. Question is can you get it? Many people have serious doubts over their eligibility for car insurance when they have only the learner’s license. The question becomes more pertinent when it comes to your kid driver who has recently taken up driving and has a big ‘L’ pasted on the front and back of the car when he is driving.
Auto insurance is necessary to get learner’s permit –
You can have auto or car insurance with the learner’s permit too. The permit issued to the learner is temporary license and it is saddled with a few restrictions. In any case you require coverage of insurance whether you obtain it under your own name or someone else. The license as usual is also come with all the responsibilities of a driver when you are driving on public roads. It also includes financial responsibility. Hence whether it is Texas auto insurance, Florida auto insurance, or Massachusetts auto insurance, the underlying principles are the same.
Another question that is pertinent for you is that is it required to have auto insurance when you have the permit of a learner? The reply again is ‘yes’. Auto insurances or car insurances are as essential for a person having the learner’s license as it is for any other. Of course it is permissible legally to be covered under someone else’s insurance like the insurance policy of your parents if you are a kid driver. The only necessity is that you must have coverage, whatever your type of coverage is.
Adding your child with learner’s license to your policy –
When your child has got a learner’s license you may wonder whether is necessary for you to include him for coverage under your own policy. According to the existing laws of the land it is necessary for you to cover your child with the learner’s license under your insurance policy. However, the coverage should conform to the requirement under the laws of the land. You must be meticulous and careful in verifying the provisions of law since the requirements of Texas auto insurance, Illinois auto insurance, and Indiana auto insurance could each be different.
When you got your car insurance, one part of the contract required that you must notify the insurer within 30 days about changes that might have taken place in respect of the risk factors that are associated with the policy you have obtained. In case you fail to add the minor child or a new driver to the policy, it may construe misrepresentation of facts making your policy vulnerable. In result the insurance company may deny you compensation in the event of loss occurring due to such changes in your circumstances.
Exclusion could be critical –
If you are excluding your kid driver from the coverage it means that he or she remains excluded for all time from such coverage through the insurance. If he or she causes an accident or damage to anyone the insurance company will not bear the cost on the basis of your auto insurance.
The company will only pay the damages caused to you under the first party coverage. The best course for you should be to remove the exclusion and include your kid as an occasional driver.
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