John David Galt wrote:
>> " wrote:
>>
>>> What risks does one take when they get insurance to cover anyone
>>> driving the vehicle and a 16 year old household member wrecks the car?
>
>
> What part of the world are you in? Around here, all car insurance
> covers anyone who drives the car with the owner's permission. You can
> sometimes get an exclusion for a specific person but companies don't
> like to write those, because the courts often make them pay out anyway.
>
>>> I know you should add the driver to the policy and pay out the ass but
>>> are you required to to be covered in case of an accident?
>
>
> Yes. If you own a car and allow it to be driven, you must insure it.
>
> Most insurance companies now insist on knowing your kids' names & ages
> when you sign up with them, so when Junior turns 16, he goes on your
> policy unless he gets one of his own.

Additionally, most policies now are written so that any household
members under 25 either must be specifically excluded from driving your
vehicles or else your rates go through the roof. Additionally, many
policies now prohibit you from lending your car to ANYONE under 25.

Pretty soon it will be effectively impossible for a young person to
drive due to financial reasons.

Perhaps if we had better training and licensing procedures the younger
drivers wouldn't be so much of a risk...?

nate

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