Do I Need Insurance To Drive With A Provisional Licence
Do I Need Insurance To Drive With A Provisional Licence?
Getting a provisional licence is an exciting milestone for any driver. It means you are one step closer to getting your full licence and being able to drive alone. But before you can take the wheel, you need to make sure you have adequate insurance in place. Insurance can be confusing and the rules surrounding provisional licences can be hard to understand, so it is important to make sure you know what you need before you get behind the wheel.
What Does Provisional Licence Insurance Cover?
Provisional licence insurance covers the same things as a full licence insurance policy. This may include bodily injury liability, property damage liability, medical expenses, collision, comprehensive and uninsured motorist protection. These are the same protections offered in a full licence policy, but the amount of coverage may be different. The coverage you need depends on your state’s laws and what type of car you are driving. It is also important to make sure you are adequately covered for any passengers you may have in your car.
How Much Does Provisional Licence Insurance Cost?
The cost of provisional licence insurance varies depending on the type of car you are driving, your age, your driving record and the amount of coverage you need. Generally, young drivers with provisional licences tend to pay more for insurance than older drivers. This is because insurers believe that younger drivers are more likely to cause an accident. Additionally, the type of car you drive can also affect your insurance rate. Sports cars and luxury vehicles tend to cost more to insure than sedans and minivans.
Do I Need To Have My Own Insurance Policy?
If you are driving with a provisional licence, you do need to have your own insurance policy. You cannot be added as a driver to someone else’s policy. This is because provisional licence holders are considered to be high-risk drivers, and therefore insurers require them to have their own policy. Additionally, if you are caught driving without insurance, you could face fines, points on your licence and even jail time in some states.
Do I Need Additional Coverage?
In addition to the coverage required by your state’s laws, you may want to consider purchasing additional coverage. This may include coverage for towing, rental reimbursement, roadside assistance and Gap coverage. These types of coverage can help protect you financially if you are ever in an accident or if your car needs to be repaired. Additionally, some insurers offer discounts for drivers with provisional licences, so it is important to shop around to get the best rate.
Conclusion
Driving with a provisional licence is an exciting time for any driver. But before you can get behind the wheel, it is important to make sure you have adequate insurance in place. You need to make sure you have the coverage required by your state’s laws and you may also want to consider purchasing additional coverage for added protection. Shopping around for the best rate is key to finding the right policy for your needs.
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