My son can drive my car if he is not covered by my insurance?

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Car insurance provides financial protection if there is an accident in your vehicle or if your vehicle is stolen or damaged. An auto insurance policy is must-have insurance for every driver (and every state, except two, requires that drivers have an insurance policy in place in law).

When you purchase a policy, you must provide an insurance provider the name of all members of your household who are driving regularly any vehicle. This typically refers to all licensed drivers within your household, as well as your children as long as they are older than 16 and possess a license. If someone in your household isn’t named on your insurance, based on the insurance company you use they may have no coverage. Some insurance companies will cover some drivers that aren’t listed.

The household members mentioned on your car insurance as well as other aspects such as the type and make of your vehicles can affect the cost that you pay for insurance. For instance, your car insurance provider may charge more when your child is a teenager driver since teens are riskier to be insured as experienced motorists.

What is the age of your child that they are protected under your car insurance policy?

Different insurance companies have different policies in regards to protection for family members within your home as well as non-listed drivers.

Typically when you lend your vehicle to a driver who is licensed they’ll be covered under your policy under what’s known as permissive use. Permissive use means that you permit someone who is not covered under your insurance, like friends, to use your car from time to period. With permissive usage, at the very most, your insurance will be extended to additional drivers in the event of an incident while using your vehicle.

If the person is going to be borrowing your car frequently, then include them in your policy. Also, if you have a family member within your household, for example, your teenager, who will drive your car it is best to officially add them to your insurance policy. Certain insurance companies require every driver who is licensed within family members to be included in a policy.

If your child is granted their learner’s permit It is advisable to contact your insurance provider. Certain insurance companies will cover students even when they’re not included on your insurance policy if they’re driving along with you. But, depending on the insurance company you choose and the state that you reside in, you could have to add students to your insurance policy. Once they receive the driver’s license, they will certainly need to call your insurance company to have your child’s name listed in your car insurance policy.

Below are the top people you need to list on your auto insurance:

  • Family members who are licensed to live within your home
  • Drivers who will often be driving your car
  • There are no related drivers within your household

In the case of car insurance, it’s best to be cautious instead of being sorry. It is recommended to contact your insurance company to obtain the members of your household covered by your auto policy if they’ll drive your vehicle or else you could be forced to pay the cost out of your pocket if they are involved in an accident.

Your insurance premiums for your car are likely to increase when you include your child in the auto insurance coverage. Young and inexperienced drivers have a higher chance be involved in car accidents and therefore insurance companies take more risk when they insure them. But the cost of insurance for young drivers decreases every year as they move closer to the age of 25, provided they have good driving records.

Insurance for cars for students in college

If your child attending college and outside of the home, they can be covered by your auto insurance if the home they live in is your main residence. However, it is recommended to consult your insurance provider if your child plans to take the car to school, particularly if they’re out of state. It is possible that you will need to alter your insurance policy to fit the state’s rules and the cost of your insurance may be affected if you change the location of you have a vehicle that is.

If your child doesn’t bring a vehicle to school, you may be entitled to some discount depending on your insurance provider. Even if your child isn’t driving often, you must be able to keep them as a named insured under your policy, especially if they’re planning to drive your vehicle after they return from school.