If my child no longer lives in my house but still go to school and uses a car in my name, is he still insured?

hsueh010

The only one to answer this is your insurance agent.

Insurance for vehicles are based on where they are primarily parked. So if you live in TX and your child drives the car to CA, then you need to get the insurance company to insure the car in CA, otherwise the insurance company can deny a claim.

The car can be kept in your name, but the insurance company needs to be notified on the car's location as insurance costs are partially gauged on the location of the car.

suspendedagain300

He is still insured if you are still paying the insurance. You insure the car, not the driver, but you do have to list your son as the primary driver of the car.

Jifr

Hiya:

This is a pretty common question for insurance companies.

If your son still uses your home address as his primary residence - you son must either be added or excluded from your policy.

In this case it sounds like you want him covered. You will end up paying premium for him on your policy but he will be covered.

If he uses your home address as his primary residence but you do not pay premium for him - he will not be covered while driving your vehicle even if he has your permission.

If he does not use your home address as his primary residence but is a FREQUENT operator of your vehicle - you are going to run into coverage issues if he is ever in an accident. (The policy wording has specific definitions for "who is a covered driver" under the policy - so that would be the determiningg factor. I can tell you from experience in handling these kind of situations that coverage can be denied for a regular and frequent driver of a vehicle of which they are not listed on the policy)

There are a couple other "if this/then that" situations but I think this answers your primary question. It sounds like it would be best to add him to your policy. BTW - The insurance carrier will require proof that he is registered full time.

Goodluck!

~jifr!

Squishy

depends if hes under your insurance...but i think he is...

oklatom

Yes, likewise if your child was in the military.

namrepus

He is still insured if he is listed in the policy as a driver, you can ask also some guidance with your car insurance provider or try to visit this site http://www.nightbirdssolutions.com for some additional useful information.

aintlifegrand

The child is only insured if he is on the policy. If it is in your name and only you on the insurance policy they are not insurances.

UCANTCME

CALL YOU INSURANCE AGENT ON THIS ONE.

Enter Your Message or Comment

User Name:
User Email:
Post a comment: