In Oklahoma all licensed drivers in the household must be listed as a driver or listed as an excluded driver for the policy to be valid. Anything else would result in a fraudilent policy and may get cancelled.
yes, the premium will be astrononic, and some insurance firms will not add children to the exsiting parents policy, they will only insure the teenager in their own right.
No. Unless you had the teenager on your policy, but at the same time you knew that the teenager was unlicensed! So, get the teenager licensed and put him on your ins. policy and then teach him how to driver safely and not crash.
Yes, but the parents have to add the new driver to their policy.
teenager
yes, if your daughter had your permission to drive then gave her permission for boyfriend to drive, then he is an insured driver under the policy.....coverage/policy stays with the vehicle, meaning your policy will pay (assuming he was at fault)...and thus be affected by this accident........
If she does not drive your car, then there is no reason to list her. However, it would probably be wise to list her if you are going to teach her how to drive it.
If it is not registered to them, it should not be on their policy.
The answer: No. Insurance is not cheap to any young driver. Not being on a parents policy can be more expensive as well.
If you are needing to purchase car insurance for a teenager, it is best to call your current insurance company and have the teenager added on to your current policy.
Yes and no. They have to include the 18-year old's information on the policy, but if the kid doesn't drive, they can EXCLUDE him from the policy. This will allow the parents to be covered if the kid takes the car without permission, because it will be considered theft.
Sounds like you have a permit. If so your parents policy will cover you and you will need to added their policy when you get your drivers license. Some companies require for all people in the household 14 or older to be listed. Contact your company for more details. As long as you don't live in the household, and you can borrow their car, their insurance policy will follow the vehicle.
This is not a good idea. You need your own insurance policy. There are coverages you do not have by being on your parents policy. You want to be a "named insured". This means that you control the policy and not your parents. If you want to loan your car to anyone you can, if you are on your parents policy you cannot do this. Also if you need to rent a car, you are not covered under your parents policy to do this. You would be under your own policy. Contact your insurance agent for a better explanation.