A Car for a Young Driver

Frequently Asked Questions


Question:

How do I register and insure a car for a young driver?

Answer:

Always register the car in the young person’s name. This is a frequent question when a parent, guardian, grandparent, etc are providing a car. If the young driver is to be the principal operator of the vehicle, it is important to register the vehicle in the young person’s name. There is not increased insurance cost.


Question:

If the car is registered in the young driver’s name, is the parent, guardian etc. responsible for any accidents?

Answer:

No! If the vehicle is owned and registered by the young person, the parent is not responsible unless the parent is driving the car. The parent driving the young person’s car can be responsible as the driver not as the parent.


Question:

Can a suit be made against the home and possessions of the parent if the car is registered and owned by the young driver?

Answer:

No! This is why you have the young driver own and register the car in their name.


Question:

If I (parent) register a car in my name and a young driver has an accident can I be sued for the young driver’s negligence?

Answer:

Yes! The owner is always held responsible for any negligence of any driver young or old.


Question:

Should I list a young driver on my insurance when they have their own car?

Answer:

Yes! We can list the young driver as a deferred driver. Your insurance bill and safe driver plan points are not affected.


What are the Problems

Parents feel they have more control of the young person’s driving habits if they own the car. This may or may not be true and it puts the parents’ possessions at risk.

Dealers will not sell a car to an underage person. (18) True! Gift the ownership to the young person. The registration process is longer and two titles must be purchased but it is worth it.

The loan company wants the parent to co-sign the loan. A parent can guarantee the note without being a co-owner of the car.

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