maybe depends on the insurance. but here's a thought, when i got my first wreck, i wasnt on my father's insurance. i had a license, but wasnt in the insurance. after talking to the family car insurance guy (farmers insurance group), he told my mother that i got to be in the insurance, if not, when i get in another wreck, i will not be covered. but when i got the be in the insurance policy, guess what?? premium went up a little bit since the accident.