Do you have to add your child to your car insurance if they drive only occasionally?

Insurance and the occasional driver

The Law requires that all drivers operating a motor vehicle on public roads carry proof of financial responsibility. There is no exception for those who drive only occasionally. If you occasionally drive on public roads then you need liability insurance on those occasions.

Most companies have a discount category for "Occasional Drivers" and "Student Drivers" that is a bit cheaper than rates for a regular driver.

Safe driving - Buckle Up
 

Answer

All licensed household members should be listed. Especially a youthful operator who, because of inexperience is more likely to have an auto accident. Even if it's an "old car" and you can easily replace it liability for injury to another person or property is what really can be costly. Since this 17 year old is still a minor if he/she hurts someone YOU ARE RESPONSIBLE! And that can run you into the thousands of dollars and your insurance company won't pay a dime if the child was not listed on your policy. Even for the slightly older child, say 18 to 20 something, whom some have argued doesn't have much to lose. How about a court that orders his/her wages to be garnished for the next decade to pay for damages?
 

Answer

 

YES!
 

Answer

WHEN your child lives in your home and turns sixteen (or legal driving age in your state), and they get a license, the insurance company automatically charges you more . You could swear on a stack of bibles and sign an affidavit that the kid WILL NEVER DRIVE YOUR CAR, but they still charge! They assume the kid WILL drive your car at some point and there is no getting around it!!
Yes, if you have a child who has a driver's license than you must have auto insurance for them -- even though he may not drive your car.