18 Year Old Teen Driver Insurance in Washington
Reader’s Question:
I am only 18 years old and I am just wondering what is the best insurance plan to go with if you are a teenager and you are just about to get your drivers license in Washington?
Tom
Vancouver, WA
Almost every state including the state of Washington requires you to purchase a minimum amount of liability coverage. Chances are that you will need more liability insurance than the state requires since accidents cost more than the minimum amount limits. If you are found legally responsible for damages that are more than your auto insurance insurance policy covers, you will have to pay the difference out of your own pocket. These bills could wipe you out! You must consider how much you stand to lose or have the potential to lose (as you are still young). You may want to purchase as much coverage as you feel comfortable with and a car insurance coverage that you can afford.
Teen Motorcycle Driver With a Learners Permit?
Reader’s Question:
Im a minor. Do I need to have full coverage insurance if I only have a motorcycle permit? I live in Minnesota.
Molly
Nice Question, Molly.
This would actually depend on the state law if you will need to obtain an insurance at this point or wait till you are fully licensed for the motorcycle.
The Office of Traffic Safety in Minnesota notes that all motorcyclists must do the following:
1. needs to have a motorcycle instruction permit or an endorsement
2. register the motorcycle and display the valid license plate
3. carry the liability insurance on their motorcycle and proof of insurance when riding.
4. wear eye protection
So if you are under 18 years of age you must:
1. complete an approved motorcycle rider training course
2. wear a DOT approved helmet
If you are a teen, you will need to contact an insurance agent to know more about when you can be added in your parent’s policy. Some insurance company allow teens to be added the same day she receives the learner’s permit. Other companies require the addition once the teen obtains full or unrestricted license.
You may contact the Department of Motor Vehicle to find out what requires you to have an insurance with a motorcycle permit.
Goodluck!
MariCAR
Loading ...