Speak Up! - View Question #54
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Question: I have my permit but my parents won't let me drive because I'm not insurable. Do I need insurance and how do I get it?
Answer: Its understandable why your parents will not let you drive unless you have insurance.
Insurance is very important because it pays for injuries and damage you may cause and/or suffer if you are involved in a car crash. If you were to cause a crash, you are responsible for paying for the other person's injuries and damage and because you are a minor child and the car is probably registered and insured in your parents' names. That means your parents could be liable for harm you do.
Your parent's have said that you are not insurable....they may be correct. They may not be able to add you to their insurance policies due to cost. Insurance for teenagers is very expensive because teens have a great deal of accidents due to lack of experience driving as well as risk taking behaviors (speeding etc.) If you are a good student, some insurance companies offer discounts if you maintain a 'B' average and can prove it will a copy of your report card.
If you have a part-time job, why not save up some money and try to work out a deal with your parents that you pay a portion (or all) of your insurance, maintain good grades and do not get any traffic tickets.
It is a scary time for parents when their kids start driving. Driving is extremely dangerous and their worries are reasonable though, it never seems that way when you are a teenager!