Learner’s permits in Maryland allow new drivers to practice driving under supervision. But does that mean they need their own car insurance? This article clarifies insurance requirements for learner drivers in Maryland.
Insurance Requirements for Learner’s Permits in Maryland
Maryland law requires all registered vehicle owners to maintain minimum insurance coverage, including liability, uninsured motorist, and personal injury protection (PIP). This applies whether the car is driven by a fully licensed driver or a learner’s permit holder.
Therefore, the car itself must be insured, regardless of who is driving. The insurance follows the vehicle, not the driver.
However, learner drivers are not typically listed as named insured on the policy. The registered owner of the vehicle is responsible for ensuring the car meets Maryland’s insurance requirements. This could be a parent, guardian, or other owner of the vehicle the learner is using for practice.
Common Misconceptions about Learner Driver Insurance
Some believe learner’s permit holders need their own insurance policy. This is incorrect. As long as the vehicle they are operating is insured to Maryland’s minimum requirements, they are legally covered.
Another misconception is that adding a learner driver to an existing policy lowers insurance rates. While adding a newly licensed driver often increases premiums, a learner’s permit usually has no impact on the insurance cost because they are not the primary driver.
Importance of Insurance for Learner Drivers
Even though learner drivers aren’t required to have their own policy, insurance is crucial. Accidents can happen even under supervision, and insurance protects against financial liability in case of property damage or injury.
Supervising Driver Responsibilities
Supervising drivers play a vital role in a learner’s driving journey. They are responsible for ensuring the learner operates a properly insured vehicle. They also guide the learner, providing instruction and ensuring safe driving practices.
Preparing for a Provisional License
Once a learner driver meets the required supervised driving hours and passes the necessary tests, they can obtain a provisional license. At this point, they may be added to an existing insurance policy or obtain their own. Insurance companies often offer discounts for new drivers who complete driver’s education courses.
Key Takeaway
Learner drivers in Maryland do not need their own car insurance policy. However, the vehicle they operate must be insured. It is the responsibility of the vehicle owner to maintain the required coverage. Understanding these requirements ensures learners can practice driving legally and safely.
