In Minnesota, would a new teen driver be covered even if not specifically listed on an auto insurance policy?
Question:
Answer:
Your new driver would have coverage automaticaly according to state law, however you do need to let your agent know as soon as they get their license with the number on it, this could take the state a couple of weeks. The state's Insurance brochure states "You are covered by the policy in your name. Any relative living in your home, who does not have a policy of his or her own, is covered by YOUR policy. This includes a spouse, children, or a minor in your custody or the custody of a relative. A driver using your car with your permission, who is not covered by another policy, will be covered by your policy." The reason that they do not state licensed driver or an age of children is because there are quite a few accidents that involve young children that manage to get a car out of park and roll out of driveways and accorss the streets. I have had more than one of these claims over the years. You can see the MN Commissioner of Insurance's auto insurance brochure at... http://www.state.mn.us/mn/externaldocs/c... If you have any further questions please call your agent directly and they should be able to help you.
Hope this helps.
If the car you are driving has a policy that covers anyone driving it, then yes..it would be insured. Many policies have this clause.
No. Insurance companies have a rule that all drivers must pay insurance. You can't merely let a HOUSEHOLD MEMBER drive without letting the insurance company know they were obligated to cover them. Teenagers have such high accident rates. Driving someones car that is not part of the household is different. As long as you have that owners permission.
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