Can anyone help me with this

[Sauce]

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 by the way i got full coverage if it helps and the car still has payments, thanks

Sauce Reviewed by Sauce on 01-04-2007. 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 Rating: 5

[Perp]

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.

[graph]

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.

[slipknotpsycho]

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.

[ValkyrieAg]

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."

[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

[Sauce]

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

[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

[Ibu Jari]

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.

[liberiamom]

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

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!