Will my Son Be Covered in My Car Insurance Policy in Nevada If He is Not Listed?
Reader’s Question:
We live in Henderson, Nevada and I’m planning to buy a new car for my 16-year old son. If he is not yet listed on my auto insurance policy and he gets into an accident, will my insurance give us coverage?
Andre
Henderson, NV
There would not be coverage for this in many cases. Most companies require that all household members and/or drivers be disclosed on the insurance policy. You can check with your insurance company or agent to determine if this loss will be covered.
When you decide to insure your son, you can always get some comparison prices for auto insurance in Henderson, Nevada from this site. While your getting your auto insurance quote, you may also want to consider a higher deductible. Going from a $250 to $1,000 deductible can save you 10 to 20% on your premium. You would want to decide whether or not you can absorb the out-of-pocket expense in the event of an accident Choosing a car is another way to keep your auto insurance quote lower. Think twice if you are planning to buy your son a new sports car because a safe and stodgy used car would be easier on your insurance rates. That is because it is less likely to be stolen, and may do better in a crash test. Your premiums should reflect these differences and you may probably want to have the vehicle in your name.
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