Minor Child and Auto Insurance

[LdiJ]

If the child has a license, he needs to be listed on the policy in order to be covered. And yes, it's expensive to insure a teenager (for good reason, they have a lot of accidents). This is NOT the same as if someone that does not live in your household were to borrow your car - occasional users that are not resident relatives would be covered. But if a person drives the car regularly, or lives in the household, they need to be listed.

It looks like not all states are exactly the same, which is to be expected. OP did check and OP had 30 days to get the 14 year old added to the policy.

What I find interesting about the whole thing is the fact that a 14 year old can get even a limited use license in Nebraska. My father got his license at 14 in Illinois, but that was in the late 1940's. I assume it must have to do with the rural nature of most of Nebraska.

 

[tammy8]

In my 18 yrs in insurance, I have never heard of anyone getting their license below 15 and that was in a farm state that I can't remember the exact name but it started with a M

 

[FlyingRon]

Nebraska allows a "school" permit in rural areas where the child is a certain distance from his school.
However, the law (and sorry davew I don't agree with your quibble) requires the certificate of insurance showing the insured parties to be carried at all times. While the insurer will cover your kid in an accident for 30 days, or even forever now that he is on the policy, YOU NEED THE CERTIFICATE IN THE CAR WITH HIS NAME ON IT to be legal.

 

[TinkerBelleLuvr]

As an aside, definitely check around the various insurance companies. My daughter does NOT have her license yet. The company KNOWS she exists, but until she is licensed, my rate does not go up. What I found was that adding her as a part time driver gave me rates from 6 different companies to range from my premium going to $1500 - 6000 per year. SHOP it.

For child to get her license will require her to get a J.O.B.