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My child has their learner’s permit, do they need to be on my insurance?

It probably feels like your teen was just a baby yesterday. Time flies and your teen is ready for their driver’s permit. When this time comes, the primary question that will run through your mind is, “Do I need to add my child to my insurance policy now that he or she has their learning permit?”

The actual requirements vary from state to state, but in most cases, a teen with a learner’s permit will be covered under the parents’ policy. The reason for this is because a licensed and insured driver must be in the vehicle with the learning driver at all times. While you may not have to add your teen to your policy as a driver, you should contact your insurance company to inform them that your teen has their learner’s permit and will be getting behind the wheel.

Keep in mind that once your teen receives their actual driver’s license, they will need to be officially added to the insurance policy if they have not already been.

Insurance can sometimes be confusing, so if you have any questions, don’t hesitate to contact Humble & Davenport Insurance