Does a Learner Permit Need Insurance?

What is a Learner Permit?

A learner permit is the first step to getting a driver’s license. It allows you to drive with a licensed driver in the passenger seat, so you can get the experience you need to become a safe driver. In order to get a learner permit, you must be at least 16 years old, pass a written test, and have a parent or guardian sign off on the application. After getting the learner permit, you can practice driving with a responsible adult.

Do You Need Insurance With a Learner Permit?

In most states, you are required to have insurance on any vehicle you drive, regardless of whether you have a learner permit or a full license. This means that if you are driving with a learner permit, you need to be covered by insurance. However, you may be able to be covered under a parent’s or guardian’s insurance policy. This should be discussed with your insurance company to make sure you are properly covered.

What About Add-On Coverage?

You may want to consider getting additional coverage for your vehicle, even if you have a learner permit. This could include things like uninsured motorist coverage or personal injury protection. These types of add-on coverage can help protect you in the event of an accident. Additionally, if you are driving a borrowed car, you may want to consider getting a non-owner’s insurance policy. This type of policy can protect you in the event of an accident, even if you are not the registered owner of the vehicle.

Do I Need a Separate Policy?

If you are covered under a parent’s or guardian’s policy, you may not need to get a separate policy. However, if you are driving a borrowed car or using a car that is not registered to your parent or guardian, you will likely need to get a non-owner’s insurance policy. Additionally, you may need to get a separate policy if you are planning on getting your own vehicle, even if you are still a learner.

Conclusion

If you have a learner permit, you will likely need to have some form of insurance in order to drive legally. If you are driving a car that is registered to your parent or guardian, you may be able to be covered under their policy. However, if you are driving a borrowed car or planning on getting your own vehicle, you may need to get a separate policy. Be sure to talk to your insurance company to make sure you are properly covered in the event of an accident.