Car Insurance Policy

Reader’s Question:

Is it true that every individual with a valid Driver’s License will automatically be covered with some sort of auto insurance?

Sam

Minneapolis, MN

To be covered by a auto insurance, a person must buy a car insurance policy through a licensed insurance company or be added to an existing auto insurance policy. In most states you need to show proof of insurance to obtain a license, while in some states you need at least the minimum state required insurance to register your car.

Insurance companies’ guidelines and state laws can differ but we know of no situation where by just getting a valid driver’s license you are automatically covered by auto insurance.

If you live in a household that already has auto insurance on cars, you might be covered under that insurance policy once you have received a driver’s license, but in some cases the policyholder would need to let their insurance company know and add you to the policy in order for you to be covered properly by the car insurance policy.