Since most drivers with learner’s permits are underage, it will be their parents’ responsibility to carry insurance. Under California law, parents will be vicariously liable for the actions of their children under the age of 18. The parent or guardian of a permitted teen driver will accept financial responsibility, therefore, for any at-fault accident that occurs while the teen is driving. All drivers in California must carry coverage of at least 15/30/5 in bodily injury and property damage liability insurance.
If a driver operating with a learner’s permit causes a car accident in California, his or her parent’s insurance should cover the damages. The teen driver should carry proof of insurance to show to accident victims and the police after an accident. If the other driver caused the crash, it will be his or her responsibility to pay for damages. This is how fault insurance laws work in California. Determining fault for an auto accident involving a young driver may take an attorney’s assistance.