Reader’s Question:

We have four vehicles in the household and all are insured and registered in Columbia, South Carolina. My children have separate car insurance policy and they are not added as an occasional driver on my policy. My question is, if they drive my cars and get into an accident, will they be covered?

Pete

Columbia, SC

In general if you permit a friend or your adult children to borrow your vehicles from time to time, your car insurance coverages will be extended to them. If your children regularly operate your automobile or reside with you, then your insurance provider may require you to list them to your car insurance policy in Columbia, South Carolina for them to be properly covered while operating your automobile.

Since insurance provider’s rules and guidelines can vary you will have to speak with your insurance company to determine for sure if your children would be covered under your car insurance policy to operate your vehicles in a way that they do. If they will be covered, keep in mind that in case of an accidents it is the owner’s car insurance policy that is primary usually and the secondary will be the driver’s insurance or used as excess in an accident if the car insurance claims go beyond the limits of the owner’s car insurance policy.

Tags: auto insurance, car insurance

Reader’s Question:

I am planning to move out from my parents house in Michigan next year and I am wondering if I could still stay on their car insurance policy even if I no longer live with them. I am planning to move to Greeley, Colorado.

Harper

Greeley, CO

Most insurance carriers will not allow to continue to insure you under your parent’s car insurance policy if you move out of your house. There are some exceptions though such as if you are going to college.

If the child is under their parent’s car insurance policy, they are allowed to drive their parent’s vehicles however if you move out of your house and will live in Greeley, Colorado then you will no longer be considered as a household member and so will not cover you or your car.

If you are going to be away to attend school then some insurance companies will cover you even if the vehicle will be garaged out of state.

If you are going to move out you would have to get an automobile insurance policy so you and your cars will be covered . If you do not own a car you may look for a non-owner’s policy. There are some exceptions though and car insurance guidelines varies so I would suggest that you contact your parent’s car insurance company to check if you will be covered under your parent’s policy if you move out.

You may also be able to obtain instant Greeley, Colorado car insurance quotes so you will know how much car insurance cost to expect when you move out of your parent’s house.

Tags: auto insurance, car insurance cost, car insurance quotes