If my child gets their drivers license, do I have to insure them even if they are not driving our cars?

ANSWER:  The answer is "YES". A driver's license gives an individual the authority to legally drive.  That means at any time they can hop into anyone's vehicle with permission and drive, including household vehicles.  Many parents believe that if they only drive their car occasionally they do not have to insure them. This is almost always a problem, because even an occasional use can bring about an accident and usually does.  Since they are new to driving it is almost predictable they will have an accident which puts the parent's auto insurance policy at risk.. The insurance company will have the duty to investigate and if liable pay for damages on your behalf.  Your policy is priced according to who the drivers are in the household to collect the proper premium and certainly a young driver is riskier than without, therefore it is necessary to change the policy accordingly.  No one like the additional cost, but most parents understand that if they allow their children to get licensed then adding them to their policy is the right thing to do.  If you do not want to pay the additional cost of a young driver then the best thing to do is to postpone your child's ability to get their license until they can help pay for the cost.  Just like uninsured drivers cost everyone so does undisclosed drivers in the household who have accidents.

Happy 2015

May life be all you want, so go make it happen.  Here are a few thoughts to help you get there.

You have to learn the rules of the game. And then you have to play better than anyone else.
Albert Einstein

Either I will find a way, or I will make one.
Philip Sidney

Always do your best. What you plant now, you will harvest later.
Og Mandino

Problems are not stop signs, they are guidelines.
Robert H. Schuller

The key is to keep company only with people who uplift you, whose presence calls forth your best.

Quality is not an act, it is a habit.

Follow your dreams, work hard, practice and persevere. Make sure you eat a variety of foods, get plenty of exercise and maintain a healthy lifestyle.
Sasha Cohen

Be Impeccable With Your Word. Speak with integrity. Say only what you mean. Avoid using the word to speak against yourself or to gossip about others. Use the power of your word in the direction of truth and love.
Miguel Angel Ruiz

Thank you to all my clients who have chosen the Lambert’s insurance Connection for their insurance protection needs.


Call us today!

Call us today!

For a free comprehensive insurance consultation, call us at 401.334.2003.

Michelle reviewed my insurance policies and saved me hundreds when I switched to her. We combined everything and got more coverage for less money each month. I would recommend her to anyone!

— Alison L.

Welcome to Lambert's Insurance Connection

Welcome to Lambert's Insurance Connection

Our family has been serving the RI community for 33 years with their insurance needs. Our quality service-oriented agency is not only owned and operated by family but our clients are considered family too.

We have represented many different companies over the past 33 years and although those companies may have changed, our commitment to our clients has not.

Our #1 priority is our client’s satisfaction and we aim to continue this tradition. We look forward to a long mutually gratifying relationship.

We INVITE all prior and new customers to take the time to shop our agency as we now offer many more product and price options.

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