Does having a driver's license but only driving with a parent in the car qualify me for coverage under their car insurance, or do I still need to get my own insurance policy

Sure, I can help you with that!

If you have your driver's license but only drive with a parent in the car, you may be covered by their car insurance policy. However, it's not always clear-cut and it depends on the specific insurance provider and policy. Some insurance companies may require you to be listed as a driver on the policy, while others may allow you to be covered without being explicitly listed.

It's important to note that if you're involved in an accident while driving your parent's car and you're not listed on their policy, their insurance provider may deny your claim. Insurance companies often obtain reports that list potentially undisclosed drivers, including newly licensed drivers and additional drivers, so it's important to be upfront and honest about who will be driving the vehicle.

If you're unsure about whether you're covered by your parent's car insurance policy, it's best to check with their insurance provider directly. They can provide you with more information about their policies and requirements, and help you determine the best course of action.

In general, it's a good idea to have your own car insurance policy, especially if you're planning to drive regularly. This will give you peace of mind and financial protection in case of an accident or other unforeseen events. Additionally, having your own policy can help you build up your own credit score and demonstrate financial responsibility, which can be beneficial in the long run.