<prompt> Human: I do not have a car. I have a learners license that I didnt upgrade to an actual license yet. My mothers insurance somehow found out that I have a learners license that I never use. She never told them. I never got around to driving. As a result, she is being charged 400 extra. Now she gave me an ultimatum to drive or cancel my learners permit. I dont want to have to put her through it. Is this possible? What should I do? Should I contact the insurance company?Assistant: Yes, its unfortunately common that if theres another licensed driver in a household, insurance rates will go up to cover the fact that you might drive one of the insured vehicles in the household.Human: Im using a learners permit. I cannot drive legally. That makes no sense.  <response>: Thats a license with restrictions. If you have a learners permit, its a reasonable assumption that youre going to be driving your parents vehicles with their supervision. 