Do newly permitted drivers need to be listed on their parents' insurance?

I am 16 in NY and just got my learner's permit. Do my parents have to put me on their insurance or am I already covered to drive their car?

“Most insurance companies require anyone of driving age in the household to be listed on the policy, even if they do not have a permit or a license.
Suppose something were to happen while you are behind the wheel, even if it is not your fault, and you are not listed on the policy. In that case, the insurance company could potentially deny coverage or refuse to renew the policy at the next renewal date.
While living with your parents, being included under their liability coverage will protect the whole family’s future finances.”
Shannon Martin
Answered on Apr 13, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.

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