Do I have to have my 15 year old limited jr. licensed driver on my auto insurance in NYS?
Total Comments: 24
Posted: Fri Feb 01, 2008 11:03 pm Post Subject:
I would think if your 15 year old is going to drive your car and he is in your household that you would have to put him on your policy, at least that is the way it works in pennsylvania.
I am sure that someone else will come along and advise you further.
Posted: Sat Feb 02, 2008 05:29 am Post Subject:
Do I have to have my 15 year old limited jr. licensed driver on my auto insurance in NYS?
Well, I don't believe that there is anything which can be turned as a must, rather I'd term it as being 'safe or unsafe'. If the life of this teenager is precious to you, then you should enlist his name irrespective of whether the state law mandates it or not. Billy_mae
Posted: Sat Feb 02, 2008 06:25 am Post Subject: thats it!
In New York, a law was passed way back in 2002 that mandates teenage drivers to get 'a waiting period' & show 'proof of driving guidance under a supervisor' before they are issued the driver's license. This has nothing to do with getting their names enlisted as mandatory under any insurance program. Still you do have the right to check it out with the state DMV.
Regards, Alex-Calling
Posted: Sat Feb 02, 2008 07:12 am Post Subject:
Yeah, you are right goodnatured, if the teen continues to drive your car even after obtaining the independent license then it would be wise to register him under your policy. At least, it is cost effective. :)
Posted: Sat Feb 02, 2008 12:26 pm Post Subject:
I know it is expensive to put a young driver on your insurance policy, but what happens if you don't and they get into an accident, either injurying themselves or someone else, how do the medical bills get paid?
Will you be responsible anyway? I am just thinking in regards to protecting yourself, if he is your minor child and he does get into an accident, are you assets protected or are they obtainable through a lawsuit for injury? I am not real sure on New York law, but this would make me nervous, paying for all the medical bills if the accident is serious enough to warrant surgeries and etc. You just never know. I would do it to protect myself.
I have not seen some of the people come here and comment that I hoped would be here yet, please give this thread more time, you have some really good insurance company people on this forum that have not stumbled across this yet. hang out a while.
Posted: Sat Feb 02, 2008 01:07 pm Post Subject:
In my state (or in my policy anyway) it says you must report any ''licensed'' drivers...when my kids got their permits I promptly (although begrudingly because I knew what my rates were going to do!) called my agent...and they said I did not have to list them as drivers until they were licensed (not permits)...HOWEVER, this is I'm sure state and perhaps even company specific! Call your company or agent to find out immediately.
Posted: Sat Feb 02, 2008 04:05 pm Post Subject:
Another thing to think about here with a young driver is that the sooner they start their own policy, the sooner they will start recieving the discounts. As long as he is on your policy, he will not be given the credit for holding his own policy. You may want to ask your insurance company what the cost would be for him to be on his own policy, if this is possible at 16, once he recieves his license. Otherwise discounts will not start kicking in for him until he is 25 if he stays on yours. just an option that you may want to check out. The sooner he gets his own policy, the sooner it will benefit him.
Posted: Sat Feb 02, 2008 11:00 pm Post Subject:
Thought this article would interest you.
Driving Safety & Auto Insurance Tips for Teens
Auto crashes remain the leading cause of death for young people between the ages of 16 and 20. According to the National Highway Traffic Safety Administration (NHTSA), this age group made up 30% of the 6.3 million crashes reported in 2003. In addition, young men are at especially high risk for fatal accidents, having nearly twice the risk as young women in the same age group.
Safe driving tips
If you have a teen driver at home, make sure they understand some of the most common factors involved in auto accidents. Helping your teen stay safe is, of course, your number one priority but as an added benefit, you'll save money on your auto insurance premium by avoiding costly auto insurance claims at the same time!
Inexperience and risk-taking—a deadly combination
With less driving experience, young drivers are less able to detect and respond to hazards, control a vehicle, and manage speed accordingly. They're also more likely to take risks (driving too fast, cutting lanes, etc.) than more experienced drivers, especially when there are friends in the car. Generally, auto insurance premiums are higher for this age group because of their lack of driving experience and risk-taking attitude.
Help your teen be a safer driver by setting a good example with your driving habits and making sure he or she gets plenty of supervised driving practice. Also, when your teen's a newly licensed driver, limit the number of friends (if any at all) that can be in the car when they drive.
Night driving
Since young drivers tend to drive more at night than during the day, they're more prone to fatigue. Driving and fatigue NEVER mix. Due to decreased visibility at night, it's also tougher for any driver to stay safe when it's dark. When teens first start driving, it's a good idea to place limits on late-night driving. By doing this, you may save your teen from an accident and an auto insurance claim.
Alcohol & drug use
Driving under the influence can be a major problem for young drivers. Even small amounts of alcohol or drugs will affect driving ability, which can be deadly for anyone, let alone a young, inexperienced driver. Most states have strict laws governing underage drinking. Let your teen know that he or she could injure or kill someone when driving under the influence of alcohol or drugs. Also, a DUI on your teen's driving record could make his or her auto insurance unaffordable.
Emphasize that your young driver should feel free to call you anytime he/she feels unable to drive, or whenever he/she is with another driver who's unable to drive. (Want to know more about preventing driving under the influence?
Lack of seat belt use
Young drivers only use seat belts about 75% of the time. Without restraints, the risk of injury to a young driver involved in a severe crash more than triples. Make sure your teen always buckles up to avoid injury. (An added bonus of buckling up every time is that your teen will avoid getting tickets that will increase his or her auto insurance premium.)
Posted: Sat Feb 02, 2008 11:29 pm Post Subject:
This article brings out a few good points for young drivers but the most important one is for them to use common sense.
I do appreciate the post, and I am sure that Member-Robbie will too, looks like something good for her to discuss with her young driver.
Posted: Sun Feb 03, 2008 05:52 am Post Subject:
All this is very interesting. If a young driver does not have employment in which to help with the cost of insurance ,it falls all on the parents to foot the bill.Don't be fooled ,it is VERY expensive.
Posted: Fri Feb 01, 2008 11:03 pm Post Subject:
I would think if your 15 year old is going to drive your car and he is in your household that you would have to put him on your policy, at least that is the way it works in pennsylvania.
I am sure that someone else will come along and advise you further.
Posted: Sat Feb 02, 2008 05:29 am Post Subject:
Do I have to have my 15 year old limited jr. licensed driver on my auto insurance in NYS?
Well, I don't believe that there is anything which can be turned as a must, rather I'd term it as being 'safe or unsafe'. If the life of this teenager is precious to you, then you should enlist his name irrespective of whether the state law mandates it or not. Billy_mae
Posted: Sat Feb 02, 2008 06:25 am Post Subject: thats it!
In New York, a law was passed way back in 2002 that mandates teenage drivers to get 'a waiting period' & show 'proof of driving guidance under a supervisor' before they are issued the driver's license. This has nothing to do with getting their names enlisted as mandatory under any insurance program. Still you do have the right to check it out with the state DMV.
Regards, Alex-Calling
Posted: Sat Feb 02, 2008 07:12 am Post Subject:
Yeah, you are right goodnatured, if the teen continues to drive your car even after obtaining the independent license then it would be wise to register him under your policy. At least, it is cost effective. :)
Posted: Sat Feb 02, 2008 12:26 pm Post Subject:
I know it is expensive to put a young driver on your insurance policy, but what happens if you don't and they get into an accident, either injurying themselves or someone else, how do the medical bills get paid?
Will you be responsible anyway? I am just thinking in regards to protecting yourself, if he is your minor child and he does get into an accident, are you assets protected or are they obtainable through a lawsuit for injury? I am not real sure on New York law, but this would make me nervous, paying for all the medical bills if the accident is serious enough to warrant surgeries and etc. You just never know. I would do it to protect myself.
I have not seen some of the people come here and comment that I hoped would be here yet, please give this thread more time, you have some really good insurance company people on this forum that have not stumbled across this yet. hang out a while.
Posted: Sat Feb 02, 2008 01:07 pm Post Subject:
In my state (or in my policy anyway) it says you must report any ''licensed'' drivers...when my kids got their permits I promptly (although begrudingly because I knew what my rates were going to do!) called my agent...and they said I did not have to list them as drivers until they were licensed (not permits)...HOWEVER, this is I'm sure state and perhaps even company specific! Call your company or agent to find out immediately.
Posted: Sat Feb 02, 2008 04:05 pm Post Subject:
Another thing to think about here with a young driver is that the sooner they start their own policy, the sooner they will start recieving the discounts. As long as he is on your policy, he will not be given the credit for holding his own policy. You may want to ask your insurance company what the cost would be for him to be on his own policy, if this is possible at 16, once he recieves his license. Otherwise discounts will not start kicking in for him until he is 25 if he stays on yours. just an option that you may want to check out. The sooner he gets his own policy, the sooner it will benefit him.
Posted: Sat Feb 02, 2008 11:00 pm Post Subject:
Thought this article would interest you.
Driving Safety & Auto Insurance Tips for Teens
Auto crashes remain the leading cause of death for young people between the ages of 16 and 20. According to the National Highway Traffic Safety Administration (NHTSA), this age group made up 30% of the 6.3 million crashes reported in 2003. In addition, young men are at especially high risk for fatal accidents, having nearly twice the risk as young women in the same age group.
Safe driving tips
If you have a teen driver at home, make sure they understand some of the most common factors involved in auto accidents. Helping your teen stay safe is, of course, your number one priority but as an added benefit, you'll save money on your auto insurance premium by avoiding costly auto insurance claims at the same time!
Inexperience and risk-taking—a deadly combination
With less driving experience, young drivers are less able to detect and respond to hazards, control a vehicle, and manage speed accordingly. They're also more likely to take risks (driving too fast, cutting lanes, etc.) than more experienced drivers, especially when there are friends in the car. Generally, auto insurance premiums are higher for this age group because of their lack of driving experience and risk-taking attitude.
Help your teen be a safer driver by setting a good example with your driving habits and making sure he or she gets plenty of supervised driving practice. Also, when your teen's a newly licensed driver, limit the number of friends (if any at all) that can be in the car when they drive.
Night driving
Since young drivers tend to drive more at night than during the day, they're more prone to fatigue. Driving and fatigue NEVER mix. Due to decreased visibility at night, it's also tougher for any driver to stay safe when it's dark. When teens first start driving, it's a good idea to place limits on late-night driving. By doing this, you may save your teen from an accident and an auto insurance claim.
Alcohol & drug use
Driving under the influence can be a major problem for young drivers. Even small amounts of alcohol or drugs will affect driving ability, which can be deadly for anyone, let alone a young, inexperienced driver. Most states have strict laws governing underage drinking. Let your teen know that he or she could injure or kill someone when driving under the influence of alcohol or drugs. Also, a DUI on your teen's driving record could make his or her auto insurance unaffordable.
Emphasize that your young driver should feel free to call you anytime he/she feels unable to drive, or whenever he/she is with another driver who's unable to drive. (Want to know more about preventing driving under the influence?
Lack of seat belt use
Young drivers only use seat belts about 75% of the time. Without restraints, the risk of injury to a young driver involved in a severe crash more than triples. Make sure your teen always buckles up to avoid injury. (An added bonus of buckling up every time is that your teen will avoid getting tickets that will increase his or her auto insurance premium.)
Posted: Sat Feb 02, 2008 11:29 pm Post Subject:
This article brings out a few good points for young drivers but the most important one is for them to use common sense.
I do appreciate the post, and I am sure that Member-Robbie will too, looks like something good for her to discuss with her young driver.
Posted: Sun Feb 03, 2008 05:52 am Post Subject:
All this is very interesting. If a young driver does not have employment in which to help with the cost of insurance ,it falls all on the parents to foot the bill.Don't be fooled ,it is VERY expensive.
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