When do I need to add my young driver to my policy?

Question

admin · Accepted Answer

At some point, most of us live through the terrifying experience of adding a child to our auto policy. Many people don’t add their young driver to their policy until they are forced to. The reason they don’t add the child is the premium increase. Some feel that young drivers are unnecessarily singled out and over charged.

The truth is young drivers receive higher rates mainly because of lack of experience. They just haven’t been out on the road enough to learn how to deal with ever changing situations safely. Almost all young drivers will have a ticket or accident of some kind in the first year of driving. For those of you who went skiing you showed up at the hill, put on the equipment, and got on the hill. What happened to most on your first day of skiing? You crashed. You fell on the ski hill many times from lack of experience.

Since we have established the fact that the young driver will probably be involved in some type of traffic situation, don’t you want coverage? If the driver is involved in a major accident & the young driver was not listed on the policy, we may have some coverage problems. No one wants a major lawsuit to occur and you have no insurance coverage.

When the young driver gets their license, contact your customer service representative, discuss your options, add the driver & pay for your protection.