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Insuring teenage drivers

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Comments

  • euphoniumeuphonium Great Northwest, West of the Cascades.Posts: 3,320
    The Family Auto Policy covers all members residing in the household. The youthful driver does not have to be reported to the company to have coverage.

    When the youthfu driver is SPECIFICALLY EXCLUDED The named insured(s) have to sign a "Driver Exclusion Endorsement".

    Quite a few states have ruled that the DEE does not apply due to the state's Financial Responsibility Law (not in the public's interest) minimum of 25/50/10.

    In excess of the state's minimum limits, the DEE does apply.

    You don't have to report your youth to the company to have him covered. Even if he drives a friend's car that isn't on any insurance and has a crash, the youth is still covered under your primary policy as secondary coverage and he doesn't even have to have a license!
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