Young Driver Auto Insurance College Station, Texas TX
Reader’s Question:
I am 19 years old, and am just now obtaining my Texas driver’s license. Do I have to get auto insurance to drive my mother’s vehicle just for the driving test, or it is okay as long as the vehicle itself is insured?
Daniel
College Station, TX
You will need to verify with the Texas Drivers License office or the Department of Public Safety to find out for sure what proof of insurance you need for the vehicle you will be driving for the driving test. If you are driving your mother’s vehicle then likely her insurance carrier would require you to be added to the car insurance policy in order for you to be covered while driving her vehicle for the driving test.
The Texas Department of Insurance states that , young drivers must comply with the state’s financial responsibility laws. Most young drivers, have the option of satisfying their legal requirements by being listed to their parents’ car insurance policy.
According to the Texas DOI site a parents’ car insurance policy covers children living at home or away at school, even when not added on the auto insurance policy. Even though children are automatically covered on their parents’ insurance policy, it’s essential that they be added on the policy as soon as they reach the driving age or get their driver’s license.
Insurance carriers are required to charge the accurate rate, based on the classifications of the motorists in your family. If the parents don’t have all of the drivers in their family added on their car insurance policy and the insurance carrier learns about them later the insurance carrier will bill the policyholder for the extra car insurance premium you should have paid.
Tags: auto insurance, teen insurance, Young driver car insurance
