I recently read a story about a company that charged additional premium for a 16 year old who did not hold a learners permit and obviously is an unlicensed driver.
Under typical rules you should not be charged for a youthful driver unless they are a resident of the household and operate a vehicle. Youths who are not licensed or operating an auto under a learners permit cannot be an operator of an auto and should not be rated on the policy until they obtain a a learners permit or become licensed.
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