There comes the day when your child becomes a teenager and starts to drive. Though you may not be prepared for your little one to grow up, you must be ready and prepared for their driving experiences in O’Fallon, MO. Protect yourself and your child by ensuring they have insurance coverage under your auto insurance policy. If you are unsure of what type of coverage you need for your teen, reach out to our specialists at Senn Insurance Agency for assistance in answering your auto insurance questions.
Teenage Driver Coverage
Auto insurance policies provide coverage for your vehicles when operated by a covered driver. Under some circumstances, insurance companies will extend coverage to unlisted drivers when the policyholder permits them to use their car. However, if the driver lives with you, they must be included in the policy because they are not included under the provision to allow others to operate your vehicle. Some insurance companies provide coverage for teen drivers who do not yet have their driver’s licenses.
When your teenager receives their license, your insurance company may automatically charge for their coverage. If you do not want your teen listed as a driver in your home, you may have to sign a driver exclusion form. Just know if you choose this option, your teen may not be covered to drive your vehicle.
Ensuring you and your child are protected while driving is essential for your financial protection. After checking your policy, contact your insurance company for your coverage options and costs. If necessary, you may need to shop around and find a new insurance company that offers you the coverage you need at an affordable price.
When your teen starts to drive, check your auto insurance policy to verify they are covered to drive in O’Fallon, MO. Call our team of professionals at Senn Insurance Agency for help adjusting your policy or to sign up for a new policy to cover your newly-licensed teen driver.