Make sure your young driver is insured!

This should come as no surprise to you -- when your son or daughter turns 16 years old and passes their test for driving privileges, they need to be added on to your auto insurance.  While most policies give a short window of automatic coverage for the new driver, this is more or less just to give you time to get home and pick up the phone. 

There is a cost to insure these drivers.  And you probably understand that until they gain more experience, they are more likely to have an accident.  The cost is predictable and it can increase your payment -- sometimes a significant amount.

If the 'automatic' window closes and the new driver remains unlisted, your company could deny payment.  Please understand that they need to collect the premium for the young driver.  And that they can only provide coverage when they fully understand and accurately price the risk that they are assuming.

If you have questions, please contact your Kelly Insurance Agency, Inc. agent today.