Personal Injury and Auto Accident Attorneys Serving Florida
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The lawyers of Goldman, Babboni, Fernandez, Murphy & Walsh have more than 100 years of combined Florida legal experience in personal injury, wrongful death and negligence cases. David Goldman, and Michael Babboni have each represented accident victims throughout Florida for over twenty …

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Auto Accidents Blog Post

What Happens to Your Insurance if Your Teenager Gets in an Accident?

While there are some exceptions, teenagers are often some of the worst drivers out there. There’s always a chance that at some point after you turn the keys over to your child, he or she will get into an accident.

What can you expect to happen to your insurance if this happens? Let’s take a quick look at the expected effect on your premiums.

Increases to your premiums possible

Although anyone’s premium will rise if they get into a car accident, that increase is typically going to be much greater for teenagers, who are already presumed by insurance companies to be greater insurance risks.

There is also a chance your own insurance premium could go up, if your teen is on your policy and listed as a secondary driver for your vehicle. The assumption here is that if your teen has caused an accident in his or her own vehicle, there’s an increased likelihood that he or she will also cause an accident in the parents’ vehicles.

If you’re worried about your own premium increasing, you can keep your teen unlisted on your own vehicle, and make sure he or she only drives his or her own vehicle. However, this isn’t going to be an option if you have a teen driver without his or her own vehicle.

Once a driver reaches legal adulthood the costs of their insurance go significantly down, and then even more once they reach the age of 25. Until then, it’s just a fact you’ll have to face as a parent of a teen driver: your insurance is going to be expensive than you’re used to, especially if the teen establishes an accident record.

For sound legal guidance after a car accident involving a teen driver, speak with a knowledgeable Bradenton personal injury attorney at Goldman, Babboni, Fernandez, Murphy & Walsh.

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Goldman, Babboni, Fernandez, Murphy & Walsh
2822 University Parkway
Sarasota, Florida, 34243 USA