Can a teenager drive their parents car when their not on their parents policy in california?
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Asked May 23, 2011
According to the law, drivers are not allowed to operate motor vehicles on public roads unless they are covered by insurance. What can be confusing is that most states, including California, do not allow anyone under the age of 18 to purchase car insurance for themselves. This does not mean that a teen driver is allowed to drive without any insurance, though, it means that a teen driver must be listed on the parent or guardian's insurance policy. In some states, proof of insurance is required for a teenager just to take a driving exam and get their drivers license, while others only require insurance when the teen is actually driving the vehicle.
Young drivers are eligible for addition to their parents' coverage until they reach the age of 25, as long as the young driver lives at home or lives in another location for the purposes of education, such as attending college. When the insurance policy is taken out, the insurance company will ask for a list of other licensed drivers in the home, even if they are not expected to drive the car. This is done because research has shown that it is common practice for a car to be used by all members of a household, and policyholders are often warned that any claims filed for a driver that is not listed on the policy will be denied.
California does not allow uninsured motorists to drive on public roads, even if they are only borrowing the car for a short trip. Because of this, most insurance companies will allow you to add a new driver by making a phone to the insurance company, and any premium increases will be billed n the next insurance statement. Keep in mind that this applies to all drivers, not only teens. If a friend or relative needs to use your car, take a moment to contact the insurance company and notify them that someone else will be driving the vehicle.
Answered May 23, 2011 by Anonymous