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For parents in Memphis, TN, who have a teenage driver preparing to learn the rules of the road, insurance coverage is an important topic to address. If your teen has a learner’s permit, this is a question you’ll want to discuss with our agents at Anthony Lancaster Insurance Inc.
Insurance for Teens with a Learner’s Permit
In Tennessee, a teen driver with a learner’s permit is typically covered under the parents’ auto insurance policy. Once the teen obtains a regular driver’s license, parents are required to add the teen to their policy as an official driver. If the teen is 18 years old, they can legally obtain their own separate policy.
Rules for Teen Drivers with a Learner’s Permit
Although it is not legally required to add a teen with a learner’s permit to your auto policy, it is highly recommended to notify your insurance provider as soon as possible. A teen with a learner’s permit is allowed to drive as long as a licensed driver accompanies them during specific hours. The accompanying adult must be at least 21 years old and must sit in the front passenger seat.
If an accident occurs while the teen is driving, parents can be held legally responsible for the teen’s actions. Consequences may include higher insurance premiums for the parents, fines, community service requirements, suspension of the learner’s permit, or even revocation of the permit.
Contact Anthony Lancaster Insurance
At Anthony Lancaster Insurance Inc., we’re here to assist the Memphis, TN, teen driving community and their parents with any questions about insurance rules, requirements, and coverage for drivers with a learner’s permit. Contact us today for more information.
