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My teenage daughter just got her Wisconsin learner’s permit. Do I have to add her to my insurance policy?

Our Wisconsin car accident attorneys say, “Yes.” A teen with a Wisconsin driver’s permit has the same responsibilities as any other driver who operates a motor vehicle on public roads. The teen must follow traffic laws, show concern for public safety, and carry auto insurance.

If your child owns her own car, she may be able to purchase her own policy. However, she will get better rates if you add her to your policy.

If your child will be driving or learning on your vehicle, you are required to notify your insurer. A new driver is considered a change in the risk factors associated with your policy, and you are required to report such changes within 30 days. If you fail to add a new driver to your policy, especially if the driver is a minor child, your insurer may deny any coverage in the event of a Wisconsin motor vehicle accident, even if your child was not at fault.

For more information about teen driving, visit our article library. For more information about what to do after a Wisconsin auto accident, request a free copy of our book, The Ultimate Guide for Automobile Accident Victims. This guide will advise you about your rights after a Wisconsin car crash.

If you’d like to discuss a specific accident with a Wisconsin car accident attorney, contact Hupy and Abraham at 800-800-5678. The initial consultation is free.