A viewer’s daughter is about to turn 16 and wants her own car. What’s the best way to get her insured? Insurance attorneys Greg Fellerman and Ed Ciarimboli have the answer.
Dave Kuharchik: It’s time for a couple of area kids to start driving. Of course, for parents that means insurance, it means some headaches. The guys with the answers are attorneys Greg Fellerman and Ed Ciarimboli for “The Law & You”
Ed Ciarimboli: Let me tell you, I have two that started into that and, boy, it’s an uneasy time.
Dave: Not easy. Let’s get some advice. Here’s our question. This involves Ava in Stroudsburg. Ava says, “My daughter is only fifteen and wants her own car. What is the best way to insure her when she reaches sixteen?” She wants to get ahead of the game, she wants her own car already, she’s only fifteen.
Ed: You really need to put her on your policy. It may be a little bit cheaper to have her run her own policy, but she’s not going to be able to get the coverage you have on your policy, assuming that you’re good drivers. Really, what you want to be looking out for, this point, is protection for your daughter and making sure that she’s got under and uninsured motorist coverage and then also that she has a decent bodily injury limits in the unfortunate event that she does strike someone. That’s the best way to insure her, to put her on your policy.
Greg: And I don’t think it’ll be a bad idea, with all these younger drivers, to let then do a dirver’s safety course. I think one it reduces your insurance premium, it get’s them the training and experience they need to be behind the wheel. Without that, driving is very difficult. They’ll have very strong lectures about no phones, paying attention, the limit of people in the car; All of these things factor into it and then Ed’s right on the insurance. Make sure they’re adequately insured because the likelihood of someone with inexperience gets into an accident is a little higher.
Dave: Alright, good advise, if you need the help of the attorneys here on “The Law & You” you could touch base by phone or online. Don’t forget, results matter with attorneys Greg Fellerman and Ed Ciarimboli. Thanks so much guys.
Ed and Greg: Thanks Dave.
Dave: pahomepage.com and “The Law & You” hotline are there for you.
The Law & You is a nightly feature on channels WBRE-TV 28 and WYOU-TV 22 where the attorneys from Fellerman & Ciarimboli answer legal questions. If you have a question that you want answered by the Law & You attorneys, please submit the form on this page or call the hotline at 1-888-570-HURT.