Reader’s Question:

I live in Denver, Colorado, my neighbor is allowing her daughter, who is 15 years of age, to drive herself to school and to her part time restaurant job. I know that she has signed a DR2460 claiming all liability. I am just wondering if it is legal for her to be driving, and what would she be responsible for if she were pulled over for a traffic violation, or is involved in a car accident?

Cher

Denver, CO

If your neighbor’s teen child is only 15 then she would have the Driver Education Permit and must have BTW course or completed a driver education class but this would not permit her to drive on her own. So at her age she should only be permitted to drive with her driver education instructor or the person who signed the DR2460. Once she turns 15 years, 6 months she then may only drive with the person who signed the Affidavit of Liability (DR 2460) until she turns 18 years of age or proceeds to get a driver’s license.

In Denver Colorado whoever signs the Affidavit (DR 2460) agrees to take legal responsibility for the actions of the young driver. Your neighbor would be responsible for her daughter if she was in an accident. Whether her car insurance would pay for insurance claims would depend upon if there are exclusions for paying if the individual does not have a valid license - which she does not have and she is driving against her permit restrictions. If her car insurance would not pay her daughter, the driver, and her as the parent and vehicle owner would be held personally liable for the damages she caused.

Tags: auto insurance, teen insurance, Young driver car insurance

Reader’s Question:

My daughter will be eighteen in 3 weeks, she has had an accident that is why our car insurance is very high. What can we do? Can she have her own insurance policy when he is eighteen so that I don’t have to add her on our car insurance in Duluth, MN?

Jennie

Duluth, MN

If your daughter is living with you in Duluth, MN it can be hard to get him taken off from your insurance policy until either she moves out or gets her own car and insurance coverage on it. Even though your daughter will be eighteen if she is still a member of your household most insurance carriers will require her to stay on your car insurance policy since there is a possibility of her driving your cars.

Some insurance carriers will permit you to exclude household members, you may verify with your insurance carrier to check if this is possible. Always remember that if you do exclude your daughter and then she was to operate the vehicle from which she was excluded there would be no insurance coverage extended to her.

Tags: auto insurance, teen insurance, Young driver car insurance

Reader’s Question:

I live in Hamden, Connecticut, I was wondering if a teen has to have auto insurance to drive their parent’s vehicle.

Foster

Hamden, CT

Most insurance providers in Hamden, Connecticut require that you list all licensed drivers living in your household on your automobile insurance policy so that they will be properly insured when driving your automobiles. If your teen has just acquired their learners permit you should contact your insurance company to check if you need to add your teen now or if you have wait until they have full license before adding the teen to the car insurance policy.

To get more help with regards Connecticut auto insurance you can contact the CT Insurance Department (CID). If you want to get a free car insurance quote for car insurance for your teenager, you may begin here by entering your zip code.

Tags: auto insurance, teen insurance, Young driver car insurance

Reader’s Question:

Is it possible for a 17 year old to register and insure a motor vehicle in Carrollton, Texas?

Jacob

Carrollton, TX

According to the Texas Department of Transportation there are no age restrictions in order for a person to be recorded as the owner of a car. But they also go on to say that insurance providers may impose age restrictions on individuals they insure and may charge higher car insurance rate premium for certain age groups. Since proof of financial responsibility (liability insurance) is a requirement to getting Texas registration, an individual’s ability to get this car insurance may limit his ability to register his car.

You may contact your insurance providers in Carrollton TX to ask for their guidelines regarding teen car insurance. It is likely that they will require a parent or guardian to be with you when you sign a contract with them.

Tags: auto insurance, Beginner car insurance, teen insurance, Young driver car insurance