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Once you’re divorced, you and your ex-spouse need different car insurance policies. If the two of you have a teenager who needs car insurance, it may be a little confusing to decide whose insurance policy (yours or your ex-spouse’s) your teenager should be covered under. We’d like to help clear this type of situation up.
If you have primary custody of your teen, it’s likely best that you place your child on your own insurance. If, however, they have access to a car at your ex-spouse’s home, your ex-spouse should check with their insurance carrier to see if they need to have your teenager on their policy as well.
If you and your ex-spouse share joint custody, and your teenager has access to cars at both homes, it’s best to add them to both of your policies.
If your teenage driver spends most of their time at your ex’s home, they should be listed under their policy. If, however, they do drive a car at your home, you should ask your insurance carrier if they need to be covered under your policy as well.
According to studies by The Children’s Hospital of Philadelphia and State Farm, setting clear rules can cut the potential of a teenager having a car accident in half. Parents should also pay attention to where their kids are driving and with whom. It’s also important to have rules about when your teenager can borrow your car. They should be required to request permission to use your car, and research says controlling access to your car keys, “at least for the first six to 12 months after a teen gets a license, is one of the best things parents can do to keep their kids safe.”
According to research, the way in which you set the rules is just as important as the rules you set. Your teenager needs to know that your rules are set in place for their own safety, and not just to control them.
With that said, it’s important that you and your ex-spouse, even if there is resentment, come to an solid agreement regarding the rules you set for your teenager’s driving privileges and that you both stick to those rules.