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Started By
Message
Adding Kids to car Insurance
Posted on 7/20/25 at 7:25 pm
Posted on 7/20/25 at 7:25 pm
I’ve heard from multiple people that insurance agents are telling people now that they didn’t need to add their kids to their insurance. If they got in a wreck, they would be covered because the vehicle is covered and they would just need to add the kids after. The insurance agents won’t put it in writing.
Just curious if anyone has dealt with it where your kid got in a wreck not on your insurance and if they covered.
Just curious if anyone has dealt with it where your kid got in a wreck not on your insurance and if they covered.
This post was edited on 7/20/25 at 7:30 pm
34
Posted on 7/20/25 at 7:26 pm to LSU1018
Prepare thy anus
Posted on 7/20/25 at 7:27 pm to LSU1018
I’m teaching a 15 year old to drive and wondered if Ineeded to put her on insurance.
I take this thread as a no. Thanks for the legal advice.
I take this thread as a no. Thanks for the legal advice.
This post was edited on 7/20/25 at 8:31 pm
Posted on 7/20/25 at 7:39 pm to LSU1018
Get that in writing baw. You do not want to find out the hard way that you are being lied to.
Posted on 7/20/25 at 7:41 pm to LSU1018
And people think college is expensive….
Posted on 7/20/25 at 7:45 pm to LSU1018
I was told if they live in your house and are licensed they have to be on the policy. 3 cars. Years 2012, 2012, 2014. $820/mo. Fun times.
Posted on 7/20/25 at 7:49 pm to LSU1018
Get ready, it isn't good, ok or oh no, it's holy sheet
Posted on 7/20/25 at 7:50 pm to LSU1018
I didn't have to add mine until she was actually licensed. The permit period was "free" and she was covered by virtue of being a household member.
Posted on 7/20/25 at 7:51 pm to SallysHuman
quote:
I didn't have to add mine until she was actually licensed. The permit period was "free" and she was covered by virtue of being a household member.
Same. Then it doubled.
Posted on 7/20/25 at 7:54 pm to TDTOM
quote:
Same. Then it doubled.
I can't remember the ramifications, financially, of adding her... but we did put her in the oldest car we had AND made her pay us the difference per 6mo policy for coverage.
Now she's her husband's problem.
Posted on 7/20/25 at 7:54 pm to LSU1018
quote:
that insurance agents are telling people now that they didn’t need to add their kids to their insurance
Out agent told us this was not true.
When my son finally was ready to drive at 17, we just ended up giving him his older sisters suv instead of buying something for him and it ended up saving us a lot of money. Her car was already on the policy is why they said it was a lot cheaper.
My wife called three other companies and they all quoted obnoxious prices to insure a $15K vehicle.
This post was edited on 7/20/25 at 8:38 pm
Posted on 7/20/25 at 7:56 pm to SallysHuman
I bought her a new car. Not sure if that mattered. It wasn't a very expensive car.
Posted on 7/20/25 at 7:57 pm to LSU1018
I didn’t put my kids on my policy when they started driving. One of them got in an accident, insurance covered the claim and then I added them. I was prepared for it to be a big deal but it wasn’t, so it was worth it IMO to save serious $.
Posted on 7/20/25 at 8:00 pm to TDTOM
quote:
I bought her a new car. Not sure if that mattered. It wasn't a very expensive car.
We saved the new car gift as a moving-the-heck-out present.
Also cheap, Hyundai Kona (in the days of Corona, so that was funny). She's married so that cuts down on the age adjustment for her and her husband, thank goodness.
Posted on 7/20/25 at 8:00 pm to LSU1018
I'm getting ready to do the same. I was told you didn't need to add them while they have their permit and you are in the vehicle. You do have to add them once they have an actual license and can drive on their own.
Posted on 7/20/25 at 8:03 pm to LSU1018
My agent told me at my next renewal in November I will need to list all drivers in my household and anyone not listed will not be covered. They’re changing the language on our policies.
Posted on 7/20/25 at 8:16 pm to LSU1018
That's the dumbest thing I've ever read.
People from Louisiana are so cheap and are always looking for a go around no wonder they love Trump
People from Louisiana are so cheap and are always looking for a go around no wonder they love Trump
Posted on 7/20/25 at 8:28 pm to LSU1018
In MS, it’s the car that’s insured not the driver. I have 6 cars and got away with putting myself and my wife down as primary drivers. When one of the kids had a wreck they got wise and required that I add the one that was driving. I still don’t think I had to do it.
Posted on 7/20/25 at 8:32 pm to LSU1018
If she has her own car and will never be driving any other car in the household, be sure to exclude her on your other vehicles. They won’t tell you this is an option, but if you/your wife drive nicer cars it’ll lead to a good bit of savings.
Best thing you can do with a teen driver is buy them a beater with cash so you only have to carry liability
Best thing you can do with a teen driver is buy them a beater with cash so you only have to carry liability
Posted on 7/20/25 at 8:39 pm to mmmmmbeeer
Been with our agent for quite awhile. Told us just to put the kids on the oldest car we have.
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