When should I add my teen driver onto my policy?
Most insurance companies, including AAA, want to know when the teen driver receives their permit. The teen is added onto the policy free of charge for six months, or until they receive their drivers license, whichever comes first.
What happens if my teen driver has an accident while learning to drive?
If your child is operating the car of a licensed driver training company (such as AAA), the companys insurance will handle any damages. If there is a ticket issued for any motor vehicle violations, it will go onto the drivers (your childs) motor vehicle report.
If your child is operating a parents vehicle, or a family members vehicle, the insurance that covers that automobile will handle the claim (i.e. If teen crashes moms car, moms insurance policy will cover the accident).
Will my insurance costs increase if I add a teen driver onto my policy?
There are surcharges associated with inexperienced operators for most insurance companies. These surcharges typically apply to drivers with less than three years of driving experience. In most cases, it is cheaper for your teen driver to be added onto your policy instead of getting their own auto insurance policy. Contact your insurance agent prior to your teen receiving their permit so you are not surprised by the increase.
What is No-Fault insurance?
No Fault Insurance is one of the most misunderstood auto insurance coverage forms in New York State. The correct name of the coverage is Personal Injury Protection (PIP). PIP is a mandatory coverage that is included on all New York State Auto Insurance policies. The mandatory minimum coverage limit is $50,000 per person.
What exactly is Comprehensive Insurance coverage on my auto policy?
Its insurance that covers damage to your vehicle that is not caused by a collision with another vehicle or object. Comprehensive is sometimes referred to in an auto policy as Other Than Collision coverage. In addition to covering damage caused by storms and road hazards, it covers your vehicle for theft, flood, fire, vandalism, and other specific perils. Comprehensive coverage is usually sold along with collision insurance. Just as the name implies, collision insurance covers damage to your car resulting from a collision with another car or object, or from your vehicle overturning.
Does taking a defensive driving course reduce my car insurance premium?
The six hour point and insurance reduction course provides a discount on your auto insurance. You save 10% on the collision, liability and no-fault portions of your auto insurance policy. Plus, you can also reduce up to four points on your license.
And the course is now offered online as well. AAA has both classroom and online options so members can choose what is most convenient for them.
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