Beginner Driver Auto Insurance Washington
Reader’s Question:
I’m a beginner driver, and I just got my driver’s permit a couple months back here in Washington. Last night, I was driving home from my part-time job. I didn’t see a kid that was on his trike till it was almost too late. The kid’s okay, but I crashed the car into someone’s mailbox. Will I have to pay for the guy’s mailbox myself, or will the auto insurance company cover this? I’m not insured, but hoping I can use my parents’ auto insurance.
Leo
Bellingham, WA
Oh, well, they say there’s always a first time for everyone. It’s a really great thing that you had the presence of mind to avoid hitting the kid even if you are just a beginner driver. He must have been so scared when he realized what happened!
Of course, hitting some guy’s mailbox instead isn’t the best way to go. And you will be expected to repair anything that you damage. I suggest you tell your parents about it and help them get in touch with their auto insurance provider in Washington. In general, you do not need your own auto insurance as you do not have your own license yet and you do not have your own vehicle, as well. So you should be covered under your parent’s auto insurance since you were driving their vehicle. However, some auto insurance companies require their policy holders to have all people driving the vehicle listed in the policy. Also, most states in the USA require different amount of liability insurance, so if your parents have this, then this should be able to cover the cost of the repair for the mailbox. The thing is if they only got liability insurance, then you can repair the mailbox but not the damages on the car. So, check to see if they also got collision insurance as this part will shell out the cash for repairs to the vehicle. Otherwise, I hope your job pays you more than enough because you’ll be the one paying for repairs to the car. Next time, please drive safely and keep your eyes on the road.
Adding Teenage Driver To Tacoma Washington Auto Insurance Policy?
Q: Does adding ta teenager to an auto insurance policy make my prices go up, or should I have her get her own policy?
A: Adding a teen to your policy will definitely make your prices go up, but you can only have her get her own policy if she is old enough. Usually, the youngest age someone can get an insurance policy for themselves is when they are eighteen. Up until then, they either have to be uninsured or be on an older person’s policy. You will have to put your teen on your policy if they live with you, because if your car insurance company finds out you have a high risk individual in your house they might cancel you for not informing them. Even if your kid doesn’t drive your car, they won’t believe you.
Rather than worrying, contact your car insurance company and see what discounts they have available for teenage drivers. At least three should be available, among them a student discount, which will allow you to have some taken off of your premium if your teen makes a B average or above in school, and a driver’s education iscoun, which will award your teenager for taking a general driver’s education course.
Can Washington State College Student Use Auto Insurance Out Of State?
Reader’s Question:
My son is in college in the state of Massachusetts but has a Washington state driver’s license. He is planning to buy a car but still undecided where to make her permanent address. He wants to get a policy also and still planning to stay in MA for 5 months. What can he do?
Lara
Thank you for asking Lara.
If your son is going to purchase a motor vehicle, he needs to have it registered and drive it in Massachusetts then she should get a MA car insurance policy to cover the motor vehicle. If she moves to another state after 5 months then she can register and insure the vehicle in her new state of residency.
Your son can also obtain information on how to register a motor vehicle in Massachusetts by contacting the MA Registry of Motor Vehicles. In addition to that, he may also get information from the RMV if she will need to switch her Washington State license for a Massachusetts driver’s license after she graduates from college since he may then be considered a resident of MA.
Goodluck!
MariCAR
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