Once a child turns 16 and they receive their license they must be covered by auto insurance and that usually occurs by a parent placing them on their policy. When a teen has divorced parents and has multiple residences, auto insurance coverage can get a little tricky according to the article “Auto Insurance Coverage for Teen Drivers With Divorced Parents” by LVRJ.com.
Auto insurance companies and states have different policies when it comes to covering additional drivers in a household so it’s important to contact your insurer to see how to proceed. Chances are, if you have a child who has access to driving cars at both parent’s homes then both parents will need to add the child to their policy. The article says that some auto insurance companies will advise divorced parents that whoever has custody during the school year should add the child onto their policy. Both parents are encouraged to contact their insurer to see how the requirements may be different.
Auto insurance is a requirement for all drivers and this is often glossed over by new drivers. Regardless of who adds the child to the policy, there should be a united front on rules while driving. Prohibit cell phone use and texting when in the car, limit the number of passengers when your child is driving, strictly require seatbelts and establish a driving boundary where your child can drive at any given time. Remaining firm on these guidelines will help your child become a safe driver and hopefully cause lower car insurance quotes for you and your family.