Teenager Car Insurance

Teenager Car Insurance

Why do I need a Teenager Car Insurance?

The first thing you should know is that you must complete driver education to be eligible for a probationary license.

To drive legally you also must comply with a law called “Financial Responsibility”. This law requires each driver to demonstrate an ability to pay for injuries to other people or damages to other people’s property if the driver causes an accident.

Most drivers comply with the financial responsibility law by purchasing car insurance. Types of coverage under auto insurance are described below:

• Liability insurance pays claims if you hurt someone else or damage another’s property.

• Uninsured motorists coverage pays claims for your injuries and damage to your vehicle if a driver without insurance hits you.

• Collision coverage (if you buy it) pays you if your own vehicle is damaged.

• Medical expense coverage (if you buy it) pays medical expenses for you and your passengers.

If you don’t have teenager car insurance, you could end up spending a lot more than the insurance would have cost.

Anytime you are stopped by a police officer for a traffic violation or other reason, the officer will ask you for financial responsibility proof.

When you buy auto insurance, the company will send you a card as proof that you are insured. Keep the card in your vehicle so you can show it to a police officer when requested.

If you cannot prove financial responsibility your license will be suspended and your vehicle will be impounded. It will cost you a very large sum of money to regain your teenager driving privileges.

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