Lorna in the boonies Posted February 14, 2008 Share Posted February 14, 2008 I'm hearing conflicting reports on this, and I can't even find a definite answer at my car insurance's website. I'm trying to determine if a teen driver with a permit in the state of Texas needs his own insurance or if he can just drive on his parents' insurance until he receives a license. I've heard that both are true. Or does it perhaps vary with the insurance company? (We have USAA, in case anyone out there knows that answer.) Thanks for any help you can give me. (And I'll be happy to be the Rep Fairy for anyone who can help me out!);) Quote Link to comment Share on other sites More sharing options...
StacyWithFourRugrats Posted February 14, 2008 Share Posted February 14, 2008 I can't be positive, but I was a teen driver in Texas and I am pretty sure I was on my parent's insurance. My parents always took care of the insurance, so I can not be positive. We have USAA also. I love them. They should be able to answer your question if no one here can. I fear the time my kids learn to drive and I have a lot of years before that! Quote Link to comment Share on other sites More sharing options...
Unicorn. Posted February 14, 2008 Share Posted February 14, 2008 I don't remember. I think it might be up to the agent. You should call your agent to be sure. I do remember though, that when they get their license, they should have their own insurance and not be on mom and dad's. The reason for this is if they cause an accident, the other party can't sue mom and dad. Quote Link to comment Share on other sites More sharing options...
Ellie Posted February 14, 2008 Share Posted February 14, 2008 I'm hearing conflicting reports on this, and I can't even find a definite answer at my car insurance's website. I'm trying to determine if a teen driver with a permit in the state of Texas needs his own insurance or if he can just drive on his parents' insurance until he receives a license. I've heard that both are true. Or does it perhaps vary with the insurance company? (We have USAA, in case anyone out there knows that answer.) Thanks for any help you can give me. (And I'll be happy to be the Rep Fairy for anyone who can help me out!);) ....so whatever your agent tells you would be right. Quote Link to comment Share on other sites More sharing options...
Ferdie Posted February 14, 2008 Share Posted February 14, 2008 We live in Texas and our neighbor told us it depends on the insurance company. She mentioned that they switched companies a few years ago and specifically went with one that would cover her daughter while she had her permit. Quote Link to comment Share on other sites More sharing options...
Robin in Tx Posted February 14, 2008 Share Posted February 14, 2008 You need to call your insurance and ask them...they will tell you what your policy covers/needs. I was on my parent's insurance until I was out of school and working full time. Robin Quote Link to comment Share on other sites More sharing options...
Jann in TX Posted February 14, 2008 Share Posted February 14, 2008 You will NOT have to purchase insurance on your teen UNTIL they get their license. For the duration of their permit they are covered on your policy. I really really LOVE USAA! Quote Link to comment Share on other sites More sharing options...
Lorna in the boonies Posted February 14, 2008 Author Share Posted February 14, 2008 Thanks, everybody! I love USAA, too. They're a great company and the only time another agency asked us to consider them (when we went with Farm Bureau for our house insurance), they were amazed by the rates. My son is so funny. Dh was hit by an uninsured driver last week, and I guess ds has heard us 'talk up' USAA enough over the years. He said, "I sure am glad Granddaddy was military so you could have USAA and I can have them one day, too. You just can't beat them!" This from an 11 year old.;) My daughter turns 15 tomorrow and has been pestering us about that whole driving thing, so I figured it was time to look into it. Positive rep points all around!:p Thanks again! Quote Link to comment Share on other sites More sharing options...
Vicki Posted February 14, 2008 Share Posted February 14, 2008 We live in Texas and have USAA. We have never had to add our children to our insurance until they have received their licenses. My oldes dd drove for over 2 years on her learner's permit and never had to be added to the insurance until she got her license. I'm now teaching my 4th child to drive and she has her learner's permit. We will add her to our insurance when she gets her license. God bless, Vicki Quote Link to comment Share on other sites More sharing options...
readwithem Posted February 14, 2008 Share Posted February 14, 2008 We live in TX and my 16 yo dd has her permit. We won't pay anything on her till she gets her license - which probably won't be for awhile :) Quote Link to comment Share on other sites More sharing options...
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