Does the Babysitter Need to Be Added to Your Car Insurance?
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Q. My 19-year-old babysitter drives my children to school, soccer practice and dance lessons. Do I need to add her to my auto policy? Are there risks associated with her driving?
A. This is a situation many parents find themselves in. Your MetLife Auto & Home auto policy would cover you in the event of an accident, whether you’re driving the car, or your babysitter were driving the car with your permission. (See your policy for restrictions.) You don’t need to add her to your auto policy. However, you should be aware that drivers under the age of 25 have the highest rate of involvement in fatal crashes of any age group. So for safety’s sake, minimize distractions by insisting that your babysitter not talk or text on a cell phone while driving, and keep the radio turned down low or, better yet, off.