Auto Insurance For Teens With Learners Permit?
Reader’s Question:
What happens if I only have a learners permit and I got involved in an accident. I live in Indiana.
Tina
Thank you for asking Tina.
The extent of driving privileges according to Indiana Driver’s Manual with an learners permits depends upon the age of the driver. If the holder is less than 18 years of age, he may practice driving only while the front passenger seat is occupied by the parent or guardian, step parent or other relative with a valid driver’s license in his possession.
If the holder is at least 18 years of age, he may practice driving only while the front passenger seat is occupied by any individual with a valid driver license in his possession.
Under any circumstances, Indiana does not allow you to drive with a learner’s permit. If you are complying with the restrictions of your learner’s permit and get involved in an accident, it does not appear that there are penalties for getting in an accident.
To make sure, you may contact the Indiana Bureau of Motor Vehicles. The consequences if you got involved in an accident if you are driving with a licensed guardian is not different from any one else with a licensed driver who got involved in an accident. You will likely to be facing with ticket for driving without a license and possible fees if you were not driving with a licensed adult.
A learner’s permit violation is worth four points and an administrative hearing may be required, according to Indiana Bureau of Motor Vehicles.
Goodluck!
MariCAR
16 Year Old Driver – Can I Drive With an Out of State Drivers License?
Reader’s Question:
Im 16 years old and I want to know if I can drive in New York with my Florida drivers license.
Midge
Thank you for asking Midge.
New York state restricts driving privileges if you are under the age of 18 and have an out of state license or if you are of any age and have an out of state learners permits. This is according to the New York state Department of Motor Vehicles.
You must obey all restrictions both on home state and of NYS restrictions on learners permit or junior licenses in NY. You may check the NYS Department of motor vehicle website regarding learners and junior licenses restrictions.
It is not permitted for a teenager under the age of 16 to drive in the state of NEW York. You are not exempted from the rule if you have a learners permit or driver’s license from another state.
You may be able to check also with the Florida HSMV to verify if your permit is valid outside your state. You cannot drive it if it is only valid on the issuing state.
You may also verify with the Florida HSMV if graduated license are allowed to drive out of state as long as you abide by the restrictions Florida will place on you.
Goodluck!
MariCAR
Cheap Auto Insurance For Teen Driver?
This is old news, but in California, cheap auto insurance for teen drivers means no cell phones on the road. This is a great law, and I wish every state would pass it, but in the meantime those in states without the law have to educate them on the consequences of driving and cell phone use and enforce a personal ban with their teen drivers. As I’ve said before, if you want to get cheap auto insurance for teen drivers, the first step is accident avoidance.
According to recent studies, eight percent of teen drivers use a phone while they are driving during the day, and five percent do at night. Using a cell phone while you’re driving can be a big factor in getting into an accident, and drive you from cheap auto insurance for teen drivers to some very expensive rates.
While studies have not been done to show exactly how cell phones themselves cause car accidents, they have been done to show that a sizeable amount of accidents occur because the at fault driver is distracted in some way. This includes changing the radio station, bending down to pick up something you’ve dropped, talking to friends, and talking on your cell phone. One of the biggest problems is text messaging while driving.
Even though most of us survived fine without cell phones in the past, many parents today feel it necessary to have a way to keep in touch with their teen’s while they are away. This makes it harder to enforce a rule of not using your cell phone while driving. What you can do is teach your teen about the consequences of driving recklessly and punish them by removing driving privileges when you find that they have been using their cell phone on the road.
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