I have a teen that is going to be sixteen this month. He will be getting his license. Is he automatically insured once he get his license on my car insurance policy in Chicago? He will only be driving part time and with an adult. Basically my question is, do I have to put him on the insurance policy as long as he drive one of my vehicles is he insured?

Reed

Chicago, IL

Most insurance carriers require that you list all licensed drivers living in the household on your car insurance policy so that they will be properly covered to operate your vehicles. If the insurance provider is not notified of the licensing status of your teen and they are not listed but are in a crash driving your car, it may be possible for the insurance company to deny an insurance claim. I heard that some insurance carrier will cover the insurance claim but then they will charge you for the insurance premiums that should have been paid previously for the teenager to be on the insurance policy.

I suggest that you contact your car insurance agent now in Chicago, IL, before your teen start the licensing process at age of sixteen, so that you will know what to expect when they do obtain their licensed and what coverages you will need to put on them.<

I have a motorcycle insured and registered in my name. Will others be able to drive it on the street if they are not listed as a driver?

Gary

Chicago IL

State laws very regarding motorcycles, especially bike insurance. Some states may require that each motorist has insurance while other states may mandate just that the car is insured. In the latter states it is likely that the insurance policy would cover others who use it, just as if the friend was borrowing a different motor vehicle, like you automobile.

I suggest that you check with your state’s Department of Motor Vehicles or with the Insurance Regulator in Chicago to verify about the state’s motorcycle insurance laws. Beyond this information you can also verify with your insurance provider. Terms of policies and insurance company’s guidelines can vary so check with your insurance carrier to check if they say your bike coverage extends to others who use it that you give permission to ride your motorcycle.