Reader’s Question:

Will I be needing car insurance before I can get my learners permit? My friend told me that I do need to have car insurance first. My parents have car insurance, will that work? Will my parents insurance cover me so they would no longer get teenager car insurance for me? I am here in

Chris

Philadelphia, Pennsylvania PA

The state of Pennsylvania requires all car owners to carry insurance however it does not specifically say that you have to have car insurance before you can get your learners permit or junior license. Even though it is not stated that you need to have car insurance the Department of Transportation might feel that it is implied so verify with your local Department of Driver and Vehicle Services to determine if you need to have car insurance coverage before you can acquire your learners permit.

The person with the learner’s permit or junior license should have their parents discuss with their car insurance company with regards to listing you in their policy. Most insurance companies will not charge extra for a a teen driver with the learner’s permit being listed to the car insurance policy. The insurance provider will inform you if the person should be listed to the car insurance policy now or when they acquire their full valid drivers license..