Is it legal for my independent child to be covered under my auto insurance policy?

John M

Typically some of the answers given here are incorrect. That's pretty normal in our business, everyone thinks they know the answer to an insurance question, few really do.
As a licensed agent here's what is going through the mind of the insurance companies underwriter.
The answer to this is dependant on several factors. Is your daughter living with you? If not, then "no way". If she's living with you, does she have her own car? So, if she has a car titled in HER name, then she needs to have her own insurance policy. If she's living with you, and driving a car titled in your name, then she could be listed on your policy.
Keep in mind insurance laws change from state to state, but this is probably a pretty general rule. If on the other hand she's not living with you, has her own car, titled in her name, then she will not be entitled to be on your policy.

iritadragon

I'm sure the insurance criteria changes by region, but here in Canada you can carry anyone you wish on your auto insurance. My brother, who is divorced for 10 years, still carries his ex-wife on his insurance for her sake. This was not included in the divorce settlement. Also, he covers his live-in, her son and his own daughter, who all drive different cars. The liability issue means that your insurance will go up if your daughter's driving record should get worse. But basically, this is just an attempt to extort more money. A 26 year old covered under your insurance may be costing you an extra thousand dollars a year. A 26 year old getting insurance for herself for the first time would be charged over 3000 dollars. You figure out the motivation!

Carl Parker

It is hard to see the agent's point of view; but, in a situation like that it will depend on your carrier first if they prefer a driver that is in that age bracket which may cause your risk to increase your premium and trying to hint to you that way. In regards to liability risk... they may be referencing to you being liable above the liability limits of your policy just in case she may cause an accident that you can be liable for? hard to say but might want to get more of a clarification on that.

** revised to others notes posted...

I am a licensed fire & casualty agent as well. Yes you can have her and her vehicle added to your policy with some companies. Your company might not; but, there are carriers out there. Many companies require for it to be garaged in the same household as the policy holders. Now there is no particular LAW to it. Each company has different guidelines and it is more upon the flexibility of the company. I have many carriers that will write a policy in your name and have your daughter and a vehicle in her name (which is not garaged at your house) be listed on your policy with no concerns. It is a underwritting concern to most carriers and yes the majority of carriers will not allow that. But, there are carriers that do. It is best that you speak to your agent more and get a better clarrification.

tabbyjo27

yes it is

lugwrench3@verizon.net

u can name anybody u want as a driver to the car and cover them on the policy show her as a add-on driver /// look for a company that knows what they doing the one u got now aint working

highchaparral2006

It is legal to put anyone you want on your insurance as long as they are a licensed driver. Find a different agent.

www.jelloshotz.com

The best thing to do is talk to an attorney.

oklatom

If she lives in your home and has access to your vehicles, or is a full time student there is no question. Otherwise, it depends. Maybe it's time to tell your insurance agency you will be looking elsewhere.

PeppermintandPopcorn

It's company specific, so there's no general law for/against. Most companies will let you put your children on as drivers, because they live with you and have access to the vehicle = they might drive it.

If anything, they want to collect higher premium on her own policy than bundling her with yours. Also, if she lives with you - she needs to be on your policy. Even though shes an adult, she's not on her own. If she causes an accident and doesn't have enough insurance - the people she hurts can come after you.

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