Should my Teen Get His Own Car Insurance Policy
Reader’s Question:
My son drives to school with a school permit and we dont have him in our policy. He is only 15 years old. Should he get an insurance? Is it required? We live in Nebraska.
Jenny
Thank you for asking Jenny.
You should verify with your insurance provider to see if your son is required to be placed on the insurance policy or not with a school permit. Insurance company guidelines can differ. Some insurance companies will allow you to wait until your son has a full driver’s license.
According to the NE DMV site in a School Permit (SCP) authorizes the holder to drive a motor vehicle, moped or motorcycle to and from where he or she attends school by the most direct and accessible route by the nearest highway from his or her place of residence if such person lives a distance of one and half miles or more from such school and either resides outside a city of the metropolitan, primary or first class (5,000 or more people) or attends a school which is outside a city of the metropolitan, primary, or first class (5,000 or more people).
In addition to that, the DMV website goes on to state that a school permit shall be used for the purpose of transporting such person or any family member who resides with such person to attend duly scheduled courses of instructions and extracurricular or school related activities at the school, and the holder of the permit may drive under the personal supervision of a licensed driver who is at least 21 years old. To obtain a SCP one must have held a learner’s permit (LPE) for 2 months prior to applying for SCP and be a minimum age of 14 years and 2 months.
Goodluck!
MariCAR
