Is it a NJ requirement to add a newly licensed driver to my car insurance policy if they dont drive my car

In New Jersey, it is typically required to add a newly licensed driver to your car insurance policy, regardless of whether or not they will be driving your car. This is because car insurance policies in New Jersey are typically written on a "named driver" basis, which means that all drivers who are listed on the policy are covered, and any driver who is not listed on the policy is not covered. The reason for this requirement is that auto insurance policies in New Jersey are designed to provide coverage for all drivers who are listed on the policy, regardless of who is driving the vehicle at the time of an accident. This means that if a newly licensed driver is not listed on your policy and they get into an accident while driving your car, your insurance company may not cover the damages and you could be held personally liable for any costs or damages. It's important to note that the requirement to add a newly licensed driver to your car insurance policy may vary depending on the insurance company you are working with and the specific policy you have. Some insurance companies may offer policies that allow for occasional drivers or drivers who are not listed on the policy to be covered, but these policies may come with higher premiums or other restrictions. Ultimately, if you have a newly licensed driver in your household, it is always a good idea to speak with your insurance company or agent to determine what the specific requirements are for your policy and to ensure that you have the appropriate coverage in place to protect yourself and your assets in the event of an accident.

If you live in New Jersey and own a car and have a child, you will want to pay attention closely. If you have a child that is driving age and has a license, you will want to know if you must add him or her to your car insurance policy. The answer is simple. In New Jersey, the auto insurance company will not require you to add your 17 year old daughter to be on your policy.

However, if you have a car and your daughter ever gets behind the wheel, even to drive down the street, you could be in trouble. Think about it, will your child ever use the car, even once, in an emergency. If the answer is maybe, it is wise to consider getting him or her added to the policy.

On the other hand, if you have a 17 year old daughter who uses her grandfathers car all the time and will never use your car, then it is safe to keep him or her off the policy. You may wonder why it is a good idea to keep your teenager off the policy. Simply put, if you tell the insurance company, they may try to raise your rates, and drastically. Instead, simply don't tell the provider, and don't let your kid behind the wheel.

If you are the parent of a 17 year old daughter, you should be honest with the insurance provider. If she will drive your car, even occasionally, you should inform the insurance company. Or, if the teenage driver will never, not even one, use your car as they will use their grandparents, you should not inform your provider. By doing so, you will save money and avoid necessary headaches that others will face when paying their car insurance bills.