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Do i have to pay for another license?

Do I HAVE to pay for insurance if im not driving but have a license?

  • My mom is trying to tell me and my brother (who is 19 and I will be 18 in about a month which is when i will get my license) that we cant get a license unless we have money to buy insurance. I think its really f***ed up for a student who got a license and doesnt drive any vehicle has to pay for insurance. She says that once i get my license, the insurance company will force her to put me on her plan so i can be insured. I think its a load of sh*t. I have never heard of anyone being forced to have insurance when they dont drive. When i say "dont drive" i mean, when i get my license, i wont be driving until I get my own car. Please dont respond to my situation and how i should deal with it, just tell me if thats even possible for the insurance to do that.

  • Answer:

    I almost didn't answer this question due to the attitude and your statement "Please dont respond to my situation". However, I will let you know that all licensed drivers in the household are to be listed on a policy. You can be excluded if you wish, but (example) if the car needs to be moved for a fire truck to get to your burning home and you opt to move your mom's car and don't see the firetruck, thus colliding with it and causing damage, to your mom's car, her car would not be covered. The Insurance company has an obligation to pay in the event of a claim, the policy holder has an obligation to advise the Insurance company of any changes in the coverage,... licensed drivers in the household, change of vehicle, change of address. Being listed on your mom's policy will also provide you with proof of prior thus allowing you a better limit of coverage when you are on your own. Another option is - Don't get your license and she can note it on her policy that you're not licensed.

Michael at Yahoo! Answers Visit the source

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When your mom purchased her auto policy, part of the language of the insuring contract requires that she notify the insurer within 30 days of any change in risk factors associated with her policy. Failure to add a new driver to the policy can constitute parental negligence and material misrepresentation of the risk assumed by her insurer when they issued her policy and can result in a denial of any coverage in the event of a loss. In so many words, she wants you to pay for it because if you ever drive her car and you're not covered, her insurance won't pay a dime.

Depends on what state or province you live in

Insurance is on the car, and every licensed driver in the household is treated as if they will drive that car. So your mother's insurance will go up if you get a license unless you move out. Every parent has to deal with this. If you get your own car and insurance, that may change. I'm not sure about that.

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