Car Accidents While Driving with a Permit in Massachusetts

Learning to drive can be stressful, for both young adults and their parents. Although rare, accidents can occur while driving with a permit. Here’s what you should know about at-fault car accidents while driving with a permit in Massachusetts.

Road Tests for Licensing

Drivers with a permit must wait at least 6 months from the date of an accident before taking the licensing test. Driving permits in Massachusetts last for 2 years. Depending on when the accident occurred, a permit renewal may be required. Part of the learning process is making mistakes, so although accidents can delay licensing, it will not prevent it. Use the accident as a learning experience to become a better driver in the future.

Insurance Coverage

Auto insurance policies in Massachusetts typically cover unlicensed drivers. So, damages from the accident should be covered by the policy. The owner of the vehicle will likely pay a deductible. The insurance company may also increase policy premiums in the future based on claims history. However, the vehicle owner will not have a surcharge on his/her personal driving record.

Surcharges for New Drivers

The accident will, unfortunately, appear on the record for the new driver,… once he/she becomes licensed. Premiums for new drivers are generally high to begin with. The surcharge for car accidents while driving with a permit will increase the cost even further. Be sure to obtain an insurance quote before purchasing a car for new drivers.

More on Car Accidents While Driving with a Permit in Massachusetts

Car accidents while driving with a permit in Massachusetts is something that all parents fear. However, fear and nervousness can actually contribute to accidents. It is important to help permitted drivers build confidence and good driving habits, which will ultimately reduce the chances of an accident. Should an accident occur, understand that although there will be consequences, maintaining a good driving record from that point forward will help new drivers recover and move on to be responsible and safe drivers.