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Auto Insurance Claims/Coverage for teen driver

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Expert: - 6/1/2009


Question
We have a daughter who will soon turn 16. We're trying to figure out what would be the least expensive way to add her to our policy. Of our three vehicles, which of the following would be best to have her listed as the primany driver:  2007 Toyota Corolla, 2002 Chrysler minivan, or 1993 Dodge Dakota pickup (2WD, club cab, 6 cyl). Would coverage still extend to the other 2 vehicles if she would happen to be driving them?

Answer
Hi Donald,

Unfortunately there is no inexpensive way to do this. Most insurance companies will require that your daughter be listed in the highest rated vehicle. They put the highest risk driver on the highest rated vehicle to develope the highest possible premium. Once that is done, she is automatically covered on any of your other vehicles as well.

You should ask your agent. It is possible that your specific company may do it differently.

I hope this helps
Richard Hixenbaugh

Auto Insurance Claims

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Richard Hixenbaugh

Expertise

Auto insurance claims procedure, auto coverage, liability issues, auto damage questions, how to deal with the insurance company, loss of use and diminished value.

Experience

I have been involved in the insurance industry for over 25 years. I have experience in underwriting, sales, claims adjusting, auto damage estimating, auto value appraising and diminished value appraising. I have testified as an expert witness over 35 times.

Organizations
Society of Certified Auto Appraisers

Education/Credentials
Completed all required courses for the Florida Property-Casualty agents license and the Florida claims adjusters license. I have attended various courses on auto damage estmating, vehicle appraising and am ASE certified in collision damage analysis.

Past/Present Clients
My company has done work for consumers nationwide.

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