Can anyone help me with this

I live in the great state of Texas. My son got his instruction permit three weeks ago and has been driving for even longer, he enrolled in a better school but it requires him to drive, now heres the thing, with just a permit he cant get his insurance just yet, the vehicle is under my name and the car itself is insured, if he were to get into an accident without me with him would the car paid off by the insurance company? For some reason the guy at state farm dident know, my friend told me that it would seeing as how the car is insured in my name :confused: by the way i got full coverage if it helps and the car still has payments, thanks

The way I see it is the insurance company will not cover it because he is not allowed to drive without an adult licensed driver in the car. He would be breaking the law, therefore not covered. Unless the law is different in Texas, I don't know.

He doesn't have a license, so he's not supposed to be driving in your car without you. It's a toss-up, and something you should be very careful with. Driving without a license is risky.

well i can actually answer this (lol who woulda thought any good would come of it) my wife was hit by someone who didn't even have a permit, she had to go to the hospital.... the insurance company isn't covering all of our bills (even if it was the insured driver in the car they still wouldn't have, there was a cut-off limit on the insurance it's self) but they are going to pay up... like i said, the driver didn't even have a learners permit, much less was she insured on the car.... so there, hope that answers your question.

edit: btw we live in texas as well.

Cmon Texan! You roll the dice and tell your kid:
"Son, im going out on a limb for you. Remember that. I trust that you can handle this."

thanks for the quick replys, yeah it sure is risky but it seems like the only way he can get to school, alternative school dont provide bus and i go to work two hours before he goes to school, hes also might get a great job but it requires transportation i cant provide all the time.he cant get his license till 6 months after we applied for it, this is his last year of school and its almost over, oh well they still have hardships but from what i heard its hard to get approved for such

lol just might have to roll them dice, thanks slipknot and everyone else for the replys. its good though atleast we live in northside fortworth cops have many other things to worry about than a teenage driver, well lets hope so lol

i am going to move this to the parenting forum....i think maybe there you can talk about this some more and maybe you will see that the whole idea is wrong as it is illegal..things happen for a reason, just like there are rules for a reason....if you let your son drive and something happens, dont you realize you are ultimately responsible? it is your future earnings they could sue against, your home they can take, so on and so forth....this is why i think this merits conversation in a parenting forum....

princess

Perhaps there is someone near by he can ride with. Instead of driving he can contribue to his rides gas money.

I used to do this all the time in school because even though I had my own car, my parents would not allow me to get my license. I didn't get it until shortly after I got married (at 18).

While I did drive on just a permit, my husband and I understood the consequences of my actions, and I think I only drove with just a permit 4 times. As soon as I was able to get my license he took me to the DMV and I walked out of there with it.

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Originally Posted by Sauce

thanks for the quick replys, yeah it sure is risky but it seems like the only way he can get to school, alternative school dont provide bus and i go to work two hours before he goes to school, hes also might get a great job but it requires transportation i cant provide all the time.he cant get his license till 6 months after we applied for it, this is his last year of school and its almost over, oh well they still have hardships but from what i heard its hard to get approved for such

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By "hardships" do you mean petioning so you can get permission for him to drive without you in the car with him? If you can find a legal solution (listen to me :rastasmoke: ) it would be best and never let the fear that something is 'hard to get approved' stop you from trying. Good luck!

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Originally Posted by surreys princess

i am going to move this to the parenting forum....i think maybe there you can talk about this some more and maybe you will see that the whole idea is wrong as it is illegal..things happen for a reason, just like there are rules for a reason....if you let your son drive and something happens, dont you realize you are ultimately responsible? it is your future earnings they could sue against, your home they can take, so on and so forth....this is why i think this merits conversation in a parenting forum....

princess

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i never said it wasn't wrong.. just for the record.. i just answered his question to the best of my knowledge (and since my wife was just hit by an unliscensed driver, but who's parents had insurance on the car, i had the most 'knowledge' to offer... especially since it's in the same state) i still would advise against it.. but a liscense, doesn't mean you magicly have some super power and are able to drive... i don't have a liscense, but i drive far better (and more repsonibly) then ANYONE (not near anyone, ANYONE) if things are that bad, and your son is that responsible, it may just be better to give him over the keys.... usually this is not true in any situation, but just because so-and-so doesn't have a liscense, doesn't mean it doesn't ring true.

You're putting yourself and your son in a mighty dangerous situation there, Sauce. I live in Texas, too, and am the parent of a son who's now 20, so we've been dealing with car and insurance issues for four years.

You should definitely do whatever it takes to get your boy a hardship license. The insurance won't cover him or the car if there's an accident until he's a licensed driver and he's specifically added to the insurance policy. If there were an accident and your son or someone else were badly injured, you would be held financially responsible for that accident and would be a sitting duck for a lawsuit filed by the injured party or his insurer. If the medical or property damages that person suffered as a result of that accident ended up being covered by his own insurer because they were caused by an uninsured teenaged driver, the victim's insurance company would come after you in an instant to re-coup the money they had to shell out. Also, if police found out you were letting your son drive without a license or insurance, they're fairly likely to alert Child Protective Services to investigate whether other instances of parental neglect might be occurring in your household. It's just not worth the chance if you weight the risk against the benefit of his driving, and no matter how good a driver he is, accidents can and do happen. With teenaged boys, they happen with alarming frequency.

i dont know about texas but in cali ya car wouldnt be covered because he is an unlisenced driver and him being a minor your responsible for if he fucked any thing up you would be responsible for that too that and sometimes they confincate cars for not having a licence or insurance
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when i was a kid i had a bmw from a wreaking yard cost 300$ and about another 700 in hoses belts radio and tune up was never registered untill i had a licence insured either thought being if i fucked up hopefully i could get my parrents off the hook by making my self out to be a delinquent in court witch should be easy driving an unregistered uninsured car that was never properly transfered muhahahaha

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Originally Posted by birdgirl73

You're putting yourself and your son in a mighty dangerous situation there, Sauce. I live in Texas, too, and am the parent of a son who's now 20, so we've been dealing with car and insurance issues for four years.

You should definitely do whatever it takes to get your boy a hardship license. The insurance won't cover him or the car if there's an accident until he's a licensed driver and he's specifically added to the insurance policy. If there were an accident and your son or someone else were badly injured, you would be held financially responsible for that accident and would be a sitting duck for a lawsuit filed by the injured party or his insurer. If the medical or property damages that person suffered as a result of that accident ended up being covered by his own insurer because they were caused by an uninsured teenaged driver, the victim's insurance company would come after you in an instant to re-coup the money they had to shell out. Also, if police found out you were letting your son drive without a license or insurance, they're fairly likely to alert Child Protective Services to investigate whether other instances of parental neglect might be occurring in your household. It's just not worth the chance if you weight the risk against the benefit of his driving, and no matter how good a driver he is, accidents can and do happen. With teenaged boys, they happen with alarming frequency.

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while i usually agree, and i didn't notice this post lol...

the person who hit my wife didn't have a permit, much less a liscense.... the insurance company is still paying us...

i still think you should do whatever it takes to get it all completely legal... but like i said, the insurance is paying us, and the driver didn't even have a permit (and around here, dunno about your city, for a permit to even be legal ontop of that, there has to be a liscensed driver with 1+ year experience in the front passanger seat)

From my understanding, if your son has a valid restricted lisence, then hes covered under your insurance automatically. Also, I believe there are exceptions to the lisence, such as if hes driving to and from work, and possibly school.

HOWEVER, these could just be Florida state laws, and not wherever youre at.

Check into it man.