Reader’s Question:

Does my son needs to have car insurance before he can drive my car? I live in CT.

Carl

Good Question, Carl.

Normally, the state law would require a parent to add a new licensed driver to their car insurance policy but instead the insurance company’s guidelines would require you to add your teen in your insurance policy.

All licensed insurance drivers in your household are required by most insurance companies so they can be properly covered. You will need to contact your insurance company if your son just obtained his permit and verify if you may add him or you will have to wait until he is fully licensed before adding him in your policy.

It is possible that may deny a claim in case of accident if you failed to inform the insurance company the status of your teen or if he was not added to your policy and uses your car. Some companies may also cover the claim but will charge you of the premiums that should have been paid for the teenager to be in the policy.

You may contact CT Insurance Department if you need more information on CT car insurance.

Goodluck!

MariCAR