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Regarding the statement asking if I would let my daughter borrow my Expedition, the answer is yes. If I was certain she could handle it, it would be silly not to let her use it if for some reason she needed it.

Will she learn to drive with the Expedition?
Most likely, yes. Seeing as how it’s the only vehicle I have, there’s not much of a choice is there?

Will I just let her loose with it by herself?
I can’t, under North Carolina DMV Law, a new driver (that has successfully completed Drivers Ed) holding a valid Driver’s Learning Permit must be accompanied and supervised by a parent, guardian or mentor, and cannot drive after 9:00 PM.

After one year of driving and only if the driver has not had any tickets or caused any accidents will that person be eligible to get their Provisional Drivers License. The PDL is a restricted Drivers License where the holder can drive by his or herself Only between the hours of five 5:00AM and 9:00PM.

Then after about six months the driver is eligible to get their Full-Unrestricted Drivers License, again only if the driver has not had ANY traffic violations.

Also regarding the Auto Insurance question.

A new driver is considered a "High Profile" driver until about the age of 21. After that, the driver is eligible for lower insurance premiums if he or she has not had any traffic violations.

Do I have to get insurance if I were let my daughter drive my vehicle?

No, not if I already have insurance on it, which I do; my Expedition is Fully Insured.
The rule here, is the insurance follows the vehicle, not the driver. I have let my family and friends drive my vehicle and they are not on my policy.

I cleaned the site comments page, and moved all the messages in 1st post here above.

About insurance for "children" that drive the car of their parents, usually it is allowed except if it is explicitly forbidden (e.g. for some company-cars only the employee that "has" the car can drive it, or also the wife/husband in some case, but not other people).
In my personal case, my father just notified the insurance broker that I would learn to drive on the car (and so drive it ) but it did not change its price I think. On the other hand, the car was a Peugeot 205, not a luxury SUV

Granted a vehicle like the Expedition is not the preferred vehicle to learn how to drive, It should when the time comes, provide her with a good early learning experience. I first learned how to drive using my father’s Full-Size pickup, so when I drove smaller vehicles they were a breeze.

Okay. I haven't said this yet, but I am actually on a permit and I'm getting my license in 2 months. Right now I am insured on each one of my mom's cars (Cadillac STS and Ford F150) and since I see my grandmother often I can drive her 2 cars too (Not bad chauffering seniors around ). They include her Odyssey and her Acura RL. Since I'm on a permit I don't think I have rates yet, but when I get a license I'll have to pay for insurance and gas. Since I am pretty responsibly with driving I may not have to pay so much on both. In November I'll let you know when I get a license.

In the UK you must pay extra to put another person on your policy as a "named driver". And of course how much you pay depends on the person and the kind of the vehicle it is, so if Dad has a car with an insurance of group 20 (the highest level, all the expensive cars are group 20s), it's going to be very difficult (if not impossible) to get his 17-old son insured on it (unless maybe money is no object). I think people can only drive other people's vehicles (with their permission of course) without being a named driver, if their insurance policy covers this, of course most young drivers probably don't have this because they already have to pay a lot for insurance. But say if example, if I came to visit you, Neptune, and you let me drive your car, would that be legal (of course I have a full UK driver's license)?

One question:

At what point does the learner driver in North Carolina have to take a driving test?

First you must pass a Driver’s Ed course. You would take a series of small quizzes during you’re attending of Driver’s Ed and then you would have to practice driving with the driving instructor in a Student Leaner’s Car. Once that is completed you would receive a certificate stating you completed the course. Then in order to get your "Driver’s Learning Permit", you must pass a Vision test, Written test and then a comprehensive Driving test with a NCDMV Officer.

As for someone coming in from out of the country and letting them barrow a vehicle? I’m not exactly sure on that one, but I wouldn’t think that it would be illegal.

What if you owned a Ferrari, could your daughter drive that, according to your insurance?

Don’t know, I don’t have insurance through a large name brand insurance company. So I doubt they would even insure something like a Ferrari. (but again I’m not sure, If I ever do get a Ferrari I’ll let you know )

All I can say is that American car insurance must work very differently to British car insurance. I for one don't think it's fair that American teenagers can easily drive Cadillacs, SUVs, pickups and other large cars when British teenagers struggle to get insured on anything larger than a 1.6 litre Ford Focus. And I used to pay through the nose for my car insurance (now I'm a little older and I've been driving a few years it's not so bad), even if I'd been a named driver on one of my parent's cars it would still have cost more to add me (at 3rd party level) then they'd be paying for their own compresense converage (of course a 19-year-old is a higher risk than a 50-year-old whose been driving for 30 years). But it seems in America a parent only needs to a normal policy and his kid is covered drive the car, they don't have to pay extra, there doesn't seem to be any of this "named driver" stuff.

I don't know about all states but in Virginia you can pay a fee and drive without insurance. Not a good idea but its legal and that is why most folks carry a rider on their policy to cover them if they are hit by an uninsured driver.

I had to pay extra costs when my children began to drive (boys under 25 are more expensive) and I think most insurance companies are like that. The cost depends on the vehicle, sex of the driver, type of coverage and several other factors (my company offered a "good student" discount and a discount if they had received "driver education" at school.

There are no restrictions on the type of private car (including some trucks - you can rent a rather large van and drive legally for moving) you can drive but you have to have a special license for large commercial vehicles, motorcycles and vehicles for hire that carry passengers.

So when an uninsured driver damages public property who pays for that?

In Europe I think that it would be the driver himself (rather than having his insurance paying for the damage that he made)

Well what are normal driving conditions like in England? I bet you many British people just take a bus or taxi to get around. If not then they drive mainly smaller cars that don't have big engines with loads of power. If you want I could stop driving my family cars and wait until I get a Saturn Astra which is coming sometime soon.

Loads of power is not especially linked to big engine, in Europe there are sometimes engines with as many hp as big US engines, but on smaller ones (though that the difference is now quite smaller than what it was few tens of years ago)

When he means is small cars (hatchbacks, superminis) are getting bigger and bigger, a 3-series BMW is now much bigger than the one from the 80s.

The truth is European cars actually tend to be faster than US cars, they are more finely tuned and get more power out an engine. American cars may be bigger but they aren't exactly better, but our cars are more expensive, US cars are dirt cheap for their size.

A little example:

Sports Sedans:

Chevrolet Impala SS 5.3L V8: 303BHP

Mercedes-Benz E55 AMG 5.4L V8: 469BHP

BMW M5 5.0L V10: 500BHP

Luxury Cars:

Cadillac DTS 4.6L V8: 292BHP

Lincoln Town Car 4.6L V8: 239BHP

Jaguar XJ8 4.2L V8 Supercharged: 390BHP

Mercedes-Benz S450 4.6L V8: 335BHP

Maybe the American sedan I've picked aren't the best examples but I doubt any American sedan is as fast as the new M5.

HA! Yes, that what our politicians would prefer, but most people in Britain still use cars to get around and our roads are often jammed. Only in big cities like London which have a proper public transport system do people prefer to not use cars, but elsewhere everyone drives. People just don't want to have to get the bus, maybe they're too lazy to walk to the stop, or the bus system isn't adequate (sometimes bus times just don't fit in with when people have to be at places), but if more people used the bus, more money would go into public transport and it would improve. And taxis are expensive, only wealthy people use them all the time, most people only use taxis when they've on a night out in town and all the buses have gone for the night.

The person causing the damage must be sued to recover damages. Applies to both public and private property damage. Probably not much recovery is possible from such people. Of course the local government generally will have funds to repair public property but a private person may not. Doesn't make much sense but that is how it works.

And is this is only in Virginia (is that were you live?)? How much roughly is this fee people have to pay to drive without insurance? Does 3rd party insurance not exist over there (where insurance only covers the damage you do to other people's property, not your own vehicle, in Britain that's lowest level of insurance and it's illegal to drive without insurance)?