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Why is insurance so expensive for teenage drivers?

Why is insurance so expensive for teenage drivers?Insurance is expensive for teenage drivers for a number of reasons. The number one reason being that they are very irresponsible and don’t necessarily go after all the rules at all times. Other reasons include their phone, distractions, and drinking and driving.

When a fresh teenage driver gets their license about how much does the car insurance cost?

It can vary greatly. It depends on the teenager, the car they drive, the state they are in. It can even vary depending on the city and possibly the area of the city. It also depends on if they are going on their own policy or being added to their parents. Calling around and getting quotes for insurance companies is the best way to go. It’s free and usually no pressure. I recommend you this site where you can compare quotes from different companies: mycheapinsurance.net

Is insurance required for a teenage driver who lives with you but received license from non-custodial parent and only drives when with them?

This teenager did not get a license from the non-custodial parent. He got it from the State. And if he is licensed and resides in your household, your insurance company needs to know. He just might have to drive you to the ER or something.

Why do you need to tell your insurance company that your teenager has a drivers license when you only have two cars and both are insured?

Response .
All persons who are going to be driving the “family’ vehicles have to be on the policy. Insurance companies have a different criteria for insuring teenage drivers than they do for adults..

If you have utter coverage insurance on your auto do you have to put a fresh teenage driver on your insurance or would this be automatically covered?

Yes, you have to ad them to your policyI would call the insurance company and suggest the drivers licence number to ensure coverage. there is no sense in taking chances with today’s insurance company’s.

If a driver totals your parked car is his insurance liable for your expensive after-market chrome rims?

For the most part yes, that insurance company needs to idemnitfy you returning you back to the quality of vehicle you maintained before there insured hit your vehicle For free insurance quotes. Visit www.Insurance4lessdirect.com. For home purchases/mortgage refinance visit www.refi-today.com

If your auto is hit the other driver’s auto insurance pays all medical expenses and so does your health insurance must you reimburse your company?

You do not have to reimburse your insurance company if the accident is the fault of the other driver and the claim is made on their insurance. If the accident is the fault of the other driver and their insurance does not cover everything and you make a claim on your insurance for reimbursement, your insurance will subrogate (collect back) from the other company.

If a youthful teenager was driving a friends car and did not have a driver license she had a wreck what will the insurance companies do even if the car was insured she still had no business driving?

Generallyif the proprietor gave the driver permission there will be coverage awarded, subject to any policy exclusions of course.

Does a fresh teenage driver need to be insured himself if hes only driving his parents insured cars?

Reaction .
He should be a rated driver in the house on something. If not,,,the insurance company could determine to cancel if the teenage driver was not rated, and had a negligent accident.

What is the least expensive way to place a 16 year old female on an insurance policy with Two drivers and Four vehicles?

Reaction .
First of all be fair about which vehicle she will be most likely to drive. Usually the lowest rate is going to be on a vehicle that you don’t need Comp and Collision coverage for. Hopefully she qualifies for a good student discount and a drivers training discount.

You had no insurance and an uninsured driver hit you so now what should you do Will gap insurance cover?

Response .

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I’m sorry to say that you are going to pay out of pocket for the harm to your car or attempt to sue the uninsured driver that hit you for the money. Gap insurance only covers the difference inbetween what you owe on the car and what your insurance paid you when your car was totalled. Since you don’t have any insurance your gap coverage is futile. Furthermore if the car wasn’t totalled in the accident then gap insurance wouldn’t come into play regardless.

If you are a fresh teenage driver do you have to have utter coverage insurance?

Response .
Not required, but recommended since you have a higher risk of being in an accident since you are less experienced…

Can a licensed teenage driver legally drive his parent’s insured car in Texas without actually being insured himself?

Response .
No. If you had broadform insurance he would be able to drive any vehical you own as long as you NAME him a driver. Broadform is nice for people with more then one vehical.

Why is insurance so expensive for teenage drivers?

Why do insurance companies take so long to pay when their insured driver is at fault?

Response .
Insurance companies are in the business of doing what’s best for THEM. They don’t care that you are having trouble because of the loss that their client caused..
A lawyer can help you, or contact your own insurance company to see if they can expedite the process. If those options don’t work for you, contact your state insurance commission for advice and possibly assistance..
Actually, one thing that CAN hold up a claim, is the fact that the claims representatives may have to investigate whom is to be held at fault. When the insured and the claimant have conflicting stories do you not deem it fair to look into both parties allegations? Or should the insurance always just pay out whatever to whomever and then have to raise premiums for many policyholders?

A teenage driver does not have a car does he need to be insured if he cannot drive the parents car?

Response .
If he’s not driving the parents car then he should not need to be insured for it. He should however be insured for whatever car he “Is” driving. All drivers are required to carry financial responsibility, regardless of who’s car they are driving. This can be accomplished by being a scheduled driver on the car holder’s policy, or in some cases by a non owners policy..
Also nude in mind that parents and legal gaurdians can be held financially liable for the acts of minors.

Can California insurers charge to insure a teenage driver with a learner’s permit?

Reaction .
Yes they can, In fact they are required by law to charge suitable premium for all sheduled drivers.

If you pay for the insurance or harm waiver on the rental car when you were not at fault can you get reimbursed for that expense If so how?

Reaction .
Yes, I am going on the following assumptions to reaction your question;.
You rented a vehicle and took out the harm waiver, (did you have insurance on another vehicle? If so that switches a few things) had an accident in this rental vehicle thatWAS NOT YOUR FAULT AT ALL ..
You (or the rental company) could file with the ‘at fault’ party. Some rental car companies will chose to use their own carrier for speed, so they can get that vehicle back on the road. In that example, (and evidently that is what happened) once the final payments have been made, their insurance company should file a subrogation claim against the at fault carrier, and recoup all money paid in the claim including the deductible you paid. And in turn will come back that to you. If the other party is not insured there will still be a subrogation claim, but this generally takes a lot longer..
Let me caution you however, this is under the assumption thata) there was absolutely no negligence attributed to youb) the ‘at fault’ driver had insurance. c) no dispute inbetween the carriers as to liablity..
You should be kept abreast of the investigation, and subrogation claim, if you have not been contact the insurance company that is treating the claim, if you do not have their information, call the rental car company and get it from them..
If you would like to provide me with extra details surrounding the facts of loss etc, perhaps I could be of greater assistance to you, and would gladly attempt…. Good luck !!

Can you sue at fault driver in California who has insurance if his insurance company rejects to pay your claim for medical expenses or do you have to sue his insurance company?

yes. you can sue an at fault driver if his insurance company denies to pay your claim. it would not be decent to sue the insurance company.

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Is it cheaper to add a driver with a DWI to his fathers insurance and if so how much?

NO, It will not be any cheaper and the fathers Insurance will skyrocket and the father could even find his own policy cancelled. Best to just get a separate policy, It’s gonna be high either way. It’s most likely not a very good idea to haul the father and his insurance into the situation

Why is your car insurance so expensive?

because if you get in a wreck…your insurance has to pay for it and you have to pay alittle money to help them pay gor your accident. because if you get in a wreck…your insurance has to pay for it and you have to pay alittle money to help them pay gor your accident.

Why is title insurance so expensive?

Actually, considering that proprietor’s policies provide a lifetime of coverage (in terms of defense of title), title insurance is relatively inexpensive. Of course, I don’t know what State you are in, and the rates do vary from State to State. Some States’ rates are regulated and set by statute, while other States permit agents and customers to negotiate the final rate.

Your son almost 20 bought his very first car Does he have to get his own car insurance which is expensive or can the parent get car insurance for him and just add him as a driver?

That indeed depends on the situation. Most car insurance companies permit parents to pay for their son’s car insurance IF he is living together with his parents AND that the car is garaged with them. If his son is living independently with his own car and has his own home where he can garage his car, then he will be paying his own car insurance. Any wrecks resulting in claims or ticket points will be held against the parent’s premium if he is merely included on their policy.

What is the least expensive car insurance for a youthful driver?

I think one of the best ways to find the least expensive car insurance would be to do a search online There are many insurance websites online which suggest price comparisons and quotes. This is the easiest way to research what each company offers and the various types best for youthful drivers. Parents also place their their teenage or adult on curfew which can drop their insurance rates. Parents who keep stringent on youthful drivers help in decreasing the amount of accidents that occur. Getting cheap car insurance can come in the form of few extensive driving tests because the insurance companies think they will be good drivers. So after passing these tests, there are chances the insurance companies can lower the cost of insurance for youthful drivers. Glad to help you.

Why is drivers ed so expensive?

Because it is run by private companies that can charge as much asthey want. (It used to be free – a required course suggested inschools.) Also, they know that for people under Legitimate it is requiredfor them to be able to obtain a license.

Why is medigap insurance so expensive when it only pays 20 percent of what medicare pays?

private insurance companies don’t have a large pool of money like the federal gov does, notice that medicare cost 96.40 but again that is b/c the federal gov as basically unlimited resources. private insurance don’t. Medicare will only pay 80% of approved medical procedure’s and that’s it. Medigap pays the 20% copay that medicare doesn’t pay. It’s expensive because the companies that suggest it are private business that is profit motivated. When people reach 65, it is assumed there will be more serious medical problems and that might cost the Medigap companies more than they want to pay. One has to recall they have all those executive paychecks to pay as well as the normal cost of doing business. Insurance is a gamble and they gamble a person isn’t going to need expensive medical care.

Is it a law that teenage drivers be insured?

The Law is that All Drivers on public roads maintain proof of financial responsibility regardless of age.

Why is insurance so expensive for teenage drivers?

Does insurance cover a driver who is not on your insurance?

Covered PersonsAuto Insurance covers the Named Insureds as defined by the policy. It may provide property coverage as well as medical coverages. It will almost always provide Liability coverage. Some policy forms extend coverage to other permitted drivers while some policies will not. For example a “Named Driver Policy” extends no coverage for other drivers at all whether permitted or not while most “Standard Policy” forms will extend coverage to permitted drivers. It all depends on the type of policy you buy. Insurance is not for cars, it is for the protection of the people who own and drive them. Your auto Insurance does not automatically insure anyone who drives and it does not as many assume in layman terms go after the car, It goes after the named insureds interest in the vehicle when it comes to property. The liability portion covers the named insured as defined by the policy and their legal liabilities as defined in the liability coverage section of the Policy. Never assume that Auto Insurance Goes after the car. Automobiles do not drive themselves. It all depends on your policy language. There are many types of auto insurance policies available in the market place these days. Never make broad assumptions about your legal liabilities. Your Insurance Agent can usually explain your coverages and recommend the right policy for you. Glad Motoring. ReactionMost insurance companies will cover a driver not listed on the policy as long as they can “reasonable assume the driver would have had permission to use the vehicle.” and as long as the person has not specifically been excluded from the policy. Just keep this in mind: The car is insured. A driver permitted to drive the car is usually covered since the insurance goes after the car. That possessor of the car will always be responsible for anyone driving their car provided that the driver has the express or implied consent of the holder to drive it. That is called “vicarious liability”. Insurers set premiums (as to liability coverage) based, in part, upon the persons who will drive it. The insurer is worried with the risk factors that the driver(s) create. These include, driving history, age, whether or not the vehicle will be used for individual or commercial purposes, etc. As a 2nd note, make sure you add drivers to your policy that have a normal access and usage of the car to decently notify the carrier of that driver or drivers. If a carrier finds out that you have a driver that’s not listed (either through a claim or other database) they can mandate you adding that driver. Moreover, if a collision occurs the insurer may deny coverage that would otherwise exist. This is because the policyholder did not pay a premium attributable to the risk created by the extra driver/

Is auto insurance more expensive for teenage drivers driving sports cars compared to regular vehicles?

Auto insurance rating multiplies the base insurance rate for a car times the factor for the driver. So a car which has bad practice, multiplied by teenage driver (much more likely to kill someone in an accident), results in higher premium.

Why is car insurance for youthfull drivers so expensive?

Car insurance is more expensive for junior drivers due to the fact that their lack of driving practice makes them a higher risk. Insurance companies charge based on a number of factors that contribute to your overall risk as a customer.

Where can you get the best car insurance rates for a teenage driver?

The best car insurance rates for teenagers can be found by State Farm insurance. They have good student and good driver discounts that can lower rates by up to 40%.

Can a teenager buy youthful drivers insurance without parental consent?

If the teenager is added to the parents’ insurance, then consent is automatic as it is the parents who make the arrangement. As to whether a teenager can buy his or her own policy without parental consent, that may vary from company to company and state to state. Is is best to check with an independent insurance agent who is authorized to speak for several different companies, and will know any applicable state regulations.

Is youthfull drivers insurance more expensive than elderly driver insurance?

Yes, youthfull driver’s insurance is typically more costly than elderly driver’s insurance, as elderly drivers are considered to be “experienced”. Youthfull drivers are typically considered to be more of a liability.

Is insurance expense an administrative expense?

Unless it says its insurance for the office (administrative) or insurance for drycleaning (dry cleaning expense) it will be counted as an administative expense.

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Why is car insurance for an Audi so much more expensive than other cars?

Actually, Audi car insurance tends to be less than many other cars of the same (luxury) class but will be more than cars of different classes because they are luxury cars and thus more expensive to purchase. The more expensive a car is to purchase, the more it will be to insure.

Why are fresh driver insurance rates so much higher for boys than for women?

Driver insurance rates are higher for boys than for damsels because it has been proven statistically that boys are more likely to get into car accidents than damsels.

Why is motor vehicle insurance more expensive for youthful drivers?

It is more expensive to obtain auto insurance if you are under 25 because you have less driving practice which means it’s more likely you would have an accident.

How expensive is fresh driver insurance?

“Fresh driver insurance is expensive; it is sometimes up to 50% more than what it will cost after the drive is 25 years old. However, most insurance companies suggest discounts for grades and reputation from the school.”

Is a crimson 1997 Corvette a good very first car for a teenager price range is 0-17000 and age is 16-18 and will insurance be expensive?

A Corvette for a very first car for a teenager is most likely not a good idea. A petite sedan with air bags that gets good gas mileage would be a better bet. Let them earn their wings before you put them behind the wheel of a Corvette.

Why is insurance so expensive for teenage drivers?

Why is car insurance more expensive for drivers under 21?

Insurance rates are derived from claims statistics. The reason that car insurance is more expensive for drivers under 21 is that drivers under 21 have more accidents. Most likely this is due to inexperience but it is a fact that junior drivers do have more accidents.

Why are health insurance policies for individuals so expensive?

There are many reasons that Health Insurance is so expensive. Some reasons are the cost of prescription medicines are high, and also the Health Insurance companies need to make a profit as well.

Why is car insurance for youthfull drivers more expensive?

It is generally assumed that junior drivers are less experienced and therefor not as safe on the road as other drivers. They are also seen to be more likely to be racing or engaging in dangerous driving activities such as toasted driving or texting and driving. There are some insurance companies that will lower rates for youthful drivers excelling in school, however.

Why is car insurance for sports cars so much more expensive?

This is due to the greater likelihood of accidents taking place which involve sports cars. This means that the risk of a claim being made against the insurance company is higher, and so they charge a higher price to cover their risk.

Why is car insurance typically more expensive for a fresh driver compared to that for a more experienced driver?

Car insurance is typically more expensive for a fresh driver when compared to that for a more experienced driver is due to expertise level difference in treating the vehicle.

Who had the best car insurance rated for teenager drivers?

The car insurance company, Nation Broad, offers the highest rated teenage car insurance on the market. The company prides themselves in making sure each driving teenage is safe.

What are some reasons that private medical health insurance is so expensive?

Healthcare AFTER Obamacare is expensive, because of the fresh regulations and taxes it imposes.Before Obamacare, private healthcare was only expensive because doctors would buy malpractice suits, because 7% of doctors were responsible for malpractice.Issue tort reform, get rid of Obama care, BOOM. Private prices drop to where they belong.

How does Pemco Auto Insurance assist teenage drivers?

Pemco Auto Insurance has a special service for teenage drivers. They have a service for college students and provide detailed information and instructions regarding teenage drivers.

Why is car insurance for youthfull drivers often expensive?

There are a few reasons why youthful drivers pay more for car insurance. The fattest reason is that they are inexperienced and therefore a higher risk for an accident.

Is Dylan Cash the teenage driver in Farmers Insurance commercial?

I don’t know for sure but I was wondering the same thing! Theoriginal Michael from General Hospital! lol

Can a driver with no insurance clain of your insurance?

Sorry, the driver with no insurance can claim of your insurance.He/she has no legal right to lodge such unauthorised claim.

Why is car insurance more expensive for junior drivers?

Because junior drivers have more accidents that experienced drivers. This is a proven fact. Insurance companies do not just charge junior drivers more for joy. The statistics are very plain, more practice results in few accidents.

Do you have to add your teenage driver to your insurance?

Yes. Some states will not cover an accident if a household memberis not listed on the policy.

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