Should I Include My Child Who Recently Got Their Driver’s License on My Auto Insurance?
Congratulations! Your child has just earned their driver’s license. It’s an exciting milestone, but it also comes with new responsibilities and decisions. One crucial consideration is including your newly licensed child on your auto insurance policy.
Why You Should Get Insured and Be Protected
Ensuring that your child is included in your auto insurance policy is not just a smart decision—it’s essential for protecting your family and your assets. Here are some key reasons why you should add your young driver:
- Coverage in Case of Accidents
Accidents can happen to anyone, regardless of their driving experience. By adding your child to your auto insurance policy, you ensure they are covered in case of an accident. This coverage can help cover medical expenses, property damage, and potential legal fees.
- Avoiding Claim Rejections
It’s important to be upfront with your insurance carrier about all drivers in your household. Most insurance carriers require that all licensed drivers living in the household be listed on the policy. If an unlisted driver gets into an accident, the insurance company may reject the claim, leaving you to bear the financial burden. Sharing a personal anecdote, our experience has shown that insurance carriers often reject claims when household members weren’t added to the policy.
- No Extra Charge for Learner’s Permitted Drivers
The good news is that most insurance companies do not charge extra for adding drivers with a learner’s permit. This means you can include your child on your policy early on without seeing a significant increase in your premium. This practice varies by company, so it’s always best to check with your insurance provider.
How to Add Your Child to Your Policy
Adding your child to your auto insurance policy is a straightforward process. Here’s how you can do it:
- Contact Your Insurance Agent: Reach out to your insurance agent or company representative and inform them that your child has received their driver’s license and you would like to add them to your policy.
- Provide Necessary Information: Be prepared to provide your child’s personal information, such as their full name, date of birth, and driver’s license number.
- Review Your Policy: Discuss any changes to your policy, including potential adjustments to your coverage and premium. Your insurance agent can help you understand how adding your child may impact your overall policy.
Conclusion
Including your newly licensed child on your auto insurance policy is a responsible and necessary step to ensure their safety and your financial protection. By getting them insured, you can drive with peace of mind knowing that your family is covered in case of any unforeseen incidents.
Ready to add your child to your auto insurance policy? Contact us today to learn more about how we can help protect your family and provide the coverage you need.
Drive safe and stay protected!