Is it legal for an auto insurance to refuse to cover my son who only has a permit at all?

Is it legal for an auto insurance to refuse to cover my son who only has a permit at all?

My son is 16 and we live in texas, he only has a permit. Is it legal for an auto insurance (allstate) to refuse to cover my car if he gets in a car crash even though I'-m driving with him and I'-m insured? Links to references so I can show allstate if it is not legal will get the best answer.

MSAD

Have you listed your son as a driver on your policy? I suspect not.If he is not listed on your policy and the vehicle is provided for his regular use, then yes, coverage can be denied.Therefore, call your agent and list your son as a driver on the policy. You will have to pay the rate increase.Source(s):Insurance Adjuster 12 years

nyotorres

That is why you need to find a good auto insurance company that will tell you every terms of their coverage policy.Source(s):http://www.johnalsopinsurance.com/car_in…

Uwish

Ok, is your son driving YOUR car that is insured with allstate?If he is, then YES they can deny coverage. If he is not listed on the policy, they have a right to do that.All drivers in the household need to be either added or excluded from the policy. If they carrier is not aware of these drivers and they have regular access to your car, they can also possibly cancel your policy due to misrepresentations.If you do not pay for your son to be covered, then do not expect for your carrier to pay for the damage he causes in an accident.Source(s):Claims 6 yrs

mary

I don't think this is a legal question because Allstate can refuse to cover anyone it wishes. Just like a bartender can refuse to serve anyone they want...it is a business and this is a free country. My insurance co covered all my kids while they were on a permit but I live in Indiana. Are you an at risk customer or is Texas an at risk state???

juston

Does your policy state that a licensed driver has to be operating the vehicle in order to be covered? If this is the case, then I would think it is legal since the river is not licensed. Your auto insurance agent should be able to help you with this information. If the agent can't, you might want to consider a new insurance company that has an agent who can answer auto insurance questions. To my understanding, a driving permit makes it legal for a driver to drive a vehicle as long as a licensed driver over the age of 18 is in the front seat. With all of this being said, one would believe a driver with a permit would be covered as long as ll the rules are being followed and your policy doesn't state otherwise. Some parents sign wavers saying their kids, friends or relatives living with them will never under any situation drive the policyholder's vehicle(s) to keep from having to insure them on their policy.

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