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Can a person with only a learner's permit buy auto insurance in New York?

Question:

Can a person with only a learner's permit buy auto insurance in New York?

Nicola, New York

Answer:

Dear Nicola,

Terri Marchon, a spokesperson for the New York Department of Insurance, says that state law prohibits you from buying auto insurance if you only have a learner's permit. Only licensed drivers can buy auto insurance policies.

Marchon says that, by law, parents aren't required to tell auto insurers that their child received a learner's permit and may be driving the car under the supervision of an adult. However, you should tell your insurance company when your daughter gets her driver's license. If you forget and your daughter is involved in a crash, it's not likely your insurer will deny your claim, but the insurance company then has the right to charge you back premiums for your daughter from the date she received a driver's license.

For more information, read When to add your teen to your auto policy and State-by-state provisions for teenage drivers.

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Disclaimer: We are journalists, not financial planners or insurance brokers. Nothing we say should be interpreted as a recommendation to buy or sell any insurance product, or to provide other financial or legal advice.

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