Personal Liability Insurance: What Happens When Someone Gets Hurt on Your Property

Children grow up so fast. It seems like they just start to walk, and the next thing you know they’re getting their learners permit and ready to start driving. If you have a teenager who is just about to get their Massachusetts learner’s permit , here are a few steps that you should take to make it a smooth transition:

• The first step that you should take when your child gets their permit is to call your insurance agent. They will help add your child to your Massachusetts auto insurance policy so that they are insured while they learn to drive.
• It’s important to let your agent know if your child is a good student, and if they have completed a driver’s education course. Either (or both) of these criteria will help to lower your insurance premium.
• If you want to further compensate for the cost of adding a teenage driver to your auto insurance policy, consider lowering your deductible. Ask your agent if this is the right choice for you.
• While you are making changes to your insurance policies, consider adding an umbrella insurance policy to your portfolio. This coverage is very affordable, especially considering how much protection it provides. After all, teenagers are inexperienced drivers and are more likely to cause a major accident that would, without the proper umbrella insurance, potentially cause financial distress.

To talk to your Boston insurance agent about the new driver in your household, just call 617-298-0655 . We can help you get them added to your auto insurance policy, and get you a free umbrella insurance quote to consider.