Teen Car Insurance Accidents Clarification?

I'm a 16 year old girl who just got her license in March. A week after I got my license, I rear ended another car while driving my mom's new car that is insured. We got it fixed and only had to pay the 500 dollar deductible. I do not have my own car. My sister, who is 19, has her own car that is not covered on our insurance. My dad's car is not covered either. My sister just got into an accident, rear ending someone as well.

I really need to get a car next year for work and such but my parents said my insurance would be high enough already with both of me and my sister's accidents. Couldn't I just buy a car on my own and not insure it like my dad and sister's cars? I really don't know how car insurance works at all, i only know what my parents tell me, so any help would be appreciated :)
Additional Details
Oh, and if it matters, I went to traffic school after my accident to remove the points against my driving record (I think that's what it did)
My sister had already gone to traffic school recently for a speeding ticket so she can't go again for her accident.

Entidtil

Each and every car on the road MUST be insured. It is illegal to drive a car that is not insured. I don't believe that you understand insurance. Please go to see an agent and have hium explain auto. insurance so you understand it so you don't end up paying off a lawsuit for the rest of your life. also, read this about households and insurance:

There is a LAW that <REQUIRES > insurance companies to cover all household members who have a drivers license, <whether the insurance company has been notified of the new license holder or not.>

Butâ€¦ Most all insurance companies will require that you call and notify them to either allow a licensed household members to be added to the policy or exclude them. This is because as household members it is assumed they have access to your vehicles and may drive them at any time. These drivers are thus a risk/rating factor to be taken into consideration. Donâ€™t think you can get by and not notify them of household drivers because If they are not notified, they can and do and will cancel the policy.
Many state laws require that you must inform them of licensed drivers dwelling in your household, so that they can add him as a driver to your policy and rate accordingly or exclude him. Excluding anyone from your car insurance would mean that you are not paying extra on your policy to have him/her as a driver and thus they are not extended any coverage by your insurance policy if they were to drive your car and be in an accident, even if it were an emergency situation.
If you have a licensed household member, whether a relative, roommate, etc, the insurer believes that the person will have access to your vehicle and thus is a rating factor that should be on your insurance policy. If the person really is not going to drive the insured vehicle then there should not be an issue with excluding them. Without you signing off on the exclusion the insurance company cannot really believe that a licensed household member may not drive your car.
The perceived risk for non-household members by an insurance company is different and that is why you can normally let a friend that does not live with you borrow your vehicle without adding him or her to your policy.
A friend may occasionally borrow your car and be covered by your insurance because they do not have regular access to your car and thus are not rated as a risk factor on your policy. If you do have someone outside of the household that regularly drives your car then normally an insurance carrier usually would also want this person listed as a driver so they would be properly covered in an accident.

MICHELLE P

I am not gonna say that I am totally sure about the answer.it is really depending on the personal mind.thus it would better for you to try to find the best answer yourself.Here Â Â www.Autoinsurancepro.infoÂ Â is a good resource for reference though.

Enter Your Message or Comment

User Name:
User Email:
Post a comment: