Originally Posted By: Gary Allan
It can vary from state to state, but I do think anything happens while she's on her permit. Every policy I have states "no uninsured drivers in household". Even if your kid is at college, you have to carry them on your policy or they have to turn in their license. A license doesn't really mean much in most states now ..beyond authorizing you to be insured as a driver. Without insurance, it's a photo identification card.
As a kid, my dad turned my driving privleges on and off like a light switch with the insurance company. IIRC, the only penalty, albeit a big one, is if you don't declare your teen and they get in a wreck, the insurance won't pay.
If your kid has a license, you don't let them drive, you don't pay to insure them, and you yourself get in a wreck, you're likely ok. The policy spells this stuff out in great detail. My policy says "Maine" right on the cover, so they vary through each state.
It's kind of a sham when they query "what licensed drivers are in your household" instead of "who are you going to let drive your car"... obviously results in more revenue for them!