But if she only gets the minimum, and then causes a major injury, she will be in trouble. Before the visit to the insurance agent, you should acquaint your child, and perhaps yourself with some insurance terms. This insurance covers injury against the policy holder for damage done by him to passengers in his car or another person's car, pedestrians, and the property of others. This type will also cover your teen-ager if she's driving someone else's car with their permission and covers someone who is driving her car with her permission. Bodily injury and property liability insurance are coded numerically.
Most states require that drivers get liability coverage.
But few states require you to get the amount of liability coverage that you actually need. This insurance covers medical and funeral expenses for the driver, as well as other passengers, resulting from an accident involving your child's car, no matter who was at fault. This insurance is optional. If your health insurance does not cover these circumstances, it's an inexpensive option that makes sense to add to your policy. Collision insurance Collision covers the cost of damage to your car.