This is true even if your teen lives with another parent who has car insurance because your auto insurance company assumes the teen will drive your car while at your house. Car insurance always follow the car, not the driver so if your teen is in an accident in your vehicle, it will be your insurance that forks up, not your ex-spouses.

How does auto insurance cover people who drive your car?

Your auto insurance policy will cover others who drive your vehicle in the same way that it will cover you, the owner of the policy, and the vehicle. For example, if the driver is involved in an accident, your insurance will cover any damages and injuries that occur as a result of the accident.

What happens if my adult child drives my car?

If your adult child, or anyone else for that matter, drives your car, the driver is covered by your auto insurance policy.

Can a child drive a car without insurance?

However, if a child who resides in your household drives your car on a regular basis and is not listed on your insurance, he may not be covered. Generally, as long as you grant permission to another driver to operate your vehicle, that driver will be covered by your policy.

Who is responsible for insurance for a newly licensed teenager?

Insurance for a newly licensed teenager In general, giving consent for your teen to get a license makes you legally responsible for the young driver. It is also your responsibility to contact your car insurance company and get your teenage driver properly covered under your auto insurance policy.

What do parents need to know about car insurance?

Parents are also supposed to list the primary driver of each vehicle, i.e., “named drivers,” in the policy.

Can you assign a minor to a car insurance policy?

If your insurance company allows you to assign drivers to cars, you can save by assigning your novice driver to the cheapest car on the policy, meaning that will be the car he drives the most. So, your child will be primarily assigned to one car and be secondary on other cars. He can still drive all household vehicles.