When driving with a learner's permit, are you covered by your parents' insurance policy?

When driving with a learner's permit, you are generally covered by your parents' insurance policy as long as you are operating the vehicle under the conditions specified in their policy. Most insurance companies extend coverage to permit holders who are driving with a licensed adult in the car, which is a requirement for learner's permit holders.

This coverage typically applies regardless of whether the learner has completed a driver education course or if they are driving a vehicle owned by their parents, as long as the vehicle is listed under the insurance policy. Therefore, it’s crucial for learners and their guardians to understand how the insurance policy works to ensure they are adequately protected while learning to drive.

The context of other options emphasizes that completion of a driver education course or restrictions regarding the vehicle being driven do not generally affect insurance coverage, so long as the above conditions are met.