Reader’s Question:

My teenage daughter has already gotten her learner’s permit here in East Canadian, Oklahoma. Am I gonna be obliged to add her as a named driver in my car insurance policy?

Nevaeh

East Canadian, OK

Your teenage daughter must have been so thrilled to have her learner’s permit and be able to drive legally in East Canadian, Oklahoma. I’m pretty sure that you have thought her on how to be responsible on the road. With regard to adding her as a named driver in your car insurance, you can actually hold your fire until she already has her driver’s license. Majority of the car insurance providers do not require parents to include their teenager to their policy until they are licensed. But there can be some exclusion such as if you’re in a high-risk pool, you could have your teenager listed on your policy once they have their permit.

In case your teen daughter gets her driver’s license but you fail to tell your auto insurance provider that you have a teen driver and you filed a claim for her following an accident, she would still be covered. However, your insurer will be unconstrained to then charge back the premiums from the period that your daughter got her driver’s license. Summing up, you are not mandated to add your teen daughter to your insurance policy just because she is already on her driving age.

Tags: car insurance, driver’s license, learner driver, teen car insurance