Teen Driver Insurance Learner's Permit
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What Happens If My Teen Has a Learner's Permit and Has an Accident?

With so many rules and restrictions around learner's permits and Graduated Driver Licensing (GDL) laws, it can be tough just to figure out how to get your teen from first-time driver to fully licensed. But what happens if they get in an accident while they're learning? Do they have to wait longer to get a license?

If your teen is driving with a licensed parent or adult and they get into an accident, typically the consequences are no different than if a fully licensed driver was behind the wheel.

However, if they're driving alone or don't have a licensed driver with them, they could face the consequences of driving without a license. And that could keep them from being able to drive on their own for months or maybe years.

Learners' permits and GDL laws are designed to help teens gain valuable experience with a seasoned driver before they strike out on their own. It's that experience that really is the best teacher - but like learning anything new, accidents can happen. Teach your teen to be safe and follow the law, and the lessons you give will ride along with them for the rest of their life.

Coverages and discounts are subject to availability and qualifications. Other terms, conditions and exclusions may apply.

This section highlights examples of safety precautions you can consider to help educate your teen on safe driving. Please recognize that a particular precaution may not be appropriate or effective in every circumstance. We encourage you to use your own good judgment about what's appropriate.
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