Some parents often don’t know whether they should add their teenagers to their car insurance policies or purchase a separate policy for them. If your teen has a learner’s permit in Ball Ground, GA, it is advisable to add him or her to your auto insurance policy from the Sanford Group. If your learner is involved in a crash, you will file a claim from your auto insurance policy to help you pay for losses resulting from the car accident.
Why should I insure a learner driver?
A learner driver is likely to make mistakes and perhaps cause accidents in the process. In fact, according to statistics from the Insurance Institute for Highway Safety (IIHS), learners or teen drivers are three times more likely to cause car accidents than other drivers over the age of 20. If your teen has a learner’s permit and gets into a fender-bender in Ball Ground, GA, he or she will suffer consequences similar to those of a fully licensed driver. Your teen will actually be held responsible for any damages to other people’s property or bodily injury.
When should I contact my insurer?
It is advisable to notify your insurer when your teen is ready to get his or her learner’s permit. The teenager may be covered by your car insurance as a learner driver because he or she is using your car with your permission. Once your teen gets a driver’s license, you should now consider adding him or her as a listed operator on your car insurance policy. Since rules on when you can do all this may vary by insurer, our agents will give you all the information you need.
When you drive with the Sanford Group, you drive with peace of mind. A learner’s permit gives your teen permission to drive under certain restrictions. If you want your teen to stay protected wherever the road takes him or her, contact us today for more information.