Young Driver Insurance Bismarck, North Dakota ND

Reader’s Question:

Does my 18 year old son need car insurance to drive vehicles that are insured under my name? We live in Bismarck, North Dakota.

Martin

Bismarck, ND

If your son lives in your household in Bismarck, ND then the answer is yes, normally he would be required to be on your car insurance policy in order to be properly covered. Insurance providers require that they are informed about all license household member so they can be put on the insurance policy as drivers or sometimes so you can exclude the motorist. But if you exclude a driver from your insurance policy they have no insurance coverage at all if that individual borrowed your vehicle, even due to an emergency situation.

According to the North Dakota Insurance Department motor vehicle liability insurance is mandated by law. Court cases have determined that this responsibility extends to all family members in the household. This means that the insurance carrier would be required to provide coverage in the event of an insurance claim. Thus, the insurer rates for all potential drivers.

 

Tags: automobile, car insurance, teen insurance, Young driver car insurance