Question: I am 15 and 7 months and my father is saying that if he signs for me to get a permit, then automaticaly when I turn 16 he will have to pay for me on his insurance. Is this true that this is a standard procedure with the parent and minor? (The law) Saying that because he signed and is the parent, it is automic that the parent will start paying for the minor at the age of 16, whether or not the minor drives the parents vehicle, or drives any vehicle? How does this work, what are the rules on this matter?
Answer: Arizona Law (ARS 28-3160B) says that a person who signs permission for a minor to get a permit or a license is legally responsible for any damages caused by that minor while the minor is driving. Therefore, if you drive and have an accident, your father is going to have to pay. Most insurance companies include a contractual obligation for your parent to put your name on the policy if you have a permit or are licensed. If he failed to do that, the insurance might not cover the accident.
Your father is right about this issue. And insurance for teen drivers is quite expensive due to the number of accidents that age group has.
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