Families with a teen driver should add that new driver to their auto insurance policy right away. Learning drivers should have coverage through a parents’ or a standalone insurance plan. This will help to protect the teen and parents from loss if the driver is in an accident.
No parent wants their new driver to be in an accident. Yet, providing a child with adequate insurance coverage is very important regardless.
When to Add Your Teen Driver
Most states require teen drivers to have auto insurance at the time they get a learner’s permit.
Parents can often add their new driver to an existing car insurance plan. Doing so is often simple. Parents need only call their existing insurer. If you do not have coverage or you want a standalone policy for just your teen, get a policy before your teen gets behind the wheel. That’s important.
What Happens After an Accident?
Teach your teen how to react in an accident. This includes teaching the teen how to contact the police and their auto insurance agent.
Discuss obtaining the other driver’s information and filing a police report. When an accident occurs, your teen should know what steps to take immediately.
If a teen has a learner’s permit, he or she should be in the vehicle with a licensed driver. That driver can also help to teach the teen what steps to take.
Report All Accidents and Damage
After an accident, contact your car insurance agent to report the incident. This is important if there is any damage or you plan to file a claim. The insurance agent will verify the policy and the driver’s coverage. They will then determine the proper steps for covering the claim.
What About the Teen’s License?
Each state’s laws differ when it comes to driving violations for teen drivers. However, most teens lose driving privileges for some time if the charges relate to reckless driving. It’s important to use this as a learning experience for your teen.
Ensuring your auto insurance policy is up to date is one of the most important steps for all teen drivers. A learner’s permit does allow for some mistakes. A driver is learning, after all. However, keeping your driver safe behind the wheel means having a qualified auto insurance policy.
Call us for a quote on Bend OR auto insurance at (541) 383-1733.