Q: My son has his learner’s permit. Do I need to get him an insurance policy now, or do I wait until he has his driver license?
A: There’s actually a simple, law-based answer as to who needs insurance: everyone who drives*. The law states (edited for readability and brevity), “No person may operate a motor vehicle subject to registration in this state unless the person is insured under a motor vehicle liability policy, is self-insured, is covered by a certificate of deposit, or is covered by a liability bond.” One way or another, if you drive a vehicle with a registration, you need proof of financial responsibility. *There are a few exceptions: mopeds, ATVs and some collector vehicles.
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