Insuring Teenagers

Insuring teenagers can seem daunting in light of teaching and training young drivers to take the wheel for the first time. It’s essential to contact your Guy Hurley McNeil insurance representative once your child has obtained their learner’s permit to ensure they are covered while they learn. 

Motorists in Rochester Hills, MI are required to carry PIP or personal injury protection because Michigan is a no-fault state. This means that drivers are required to purchase insurance that covers their own medical expenses in the event of an accident, regardless of who caused the collision. 

Residual bodily injury protection is also mandated by law, with minimum limits set to $250,000 per person hurt or killed or $500,000 per wreck. Property damage liability is another indemnification required by law to protect out-of-state drivers, and $10,000 in coverage must be obtained. These insurances will pay for any medical costs and property damage that exceed the driver’s insurance caps. 

A driver’s education course may teach them safe driving habits and reduce their premiums. Encourage them to pay attention to the road by discouraging cell phone use while on the road by setting limits. 

You may further reduce insurance costs by bundling your homeowners and automobile policies. Usually, you can add a teen to your existing policy or procure one of their own. Teens may receive discounts for maintaining a particular grade point average.

Guy Hurley McNeil Can Help 

We specialize in tailoring insurance packages to your needs, including insuring all your eligible family members. Contact us with any questions, and we invite you to stop by our office to discuss your situation today. We serve those living in and near Rochester Hills, MI.