My son, whom I have carried on my insurance for the last 6 years, has moved out of the house to another state. I am letting him use one of my cars until he can afford his own. Do I need to continue to carry him on my insurance? The insurance is on the car not the people but if he gets in an accident, will my insurance carrier not cover because I dropped him?
Insurance question
- Thread starter tigrpal
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It would probably be wisest to "give" him the car and let him title and register it in his new state and get his own insurance policy. He can always "give" it back later. I put give in quotes b/c many places let you move vehicles intra-family without paying sales tax.
My state says you have to tag the car here within 30 days of moving here so if he's on his feet within that amount of time you might slither by.
Read your policy about where it's garaged and what a domicile is-- if your son intends to live where he lives forever, for permanent employment, he needs to be properly registered/insured there ASAP.
My state says you have to tag the car here within 30 days of moving here so if he's on his feet within that amount of time you might slither by.
Read your policy about where it's garaged and what a domicile is-- if your son intends to live where he lives forever, for permanent employment, he needs to be properly registered/insured there ASAP.
Best call and discuss with the company, rates can be dependent on where the car is being used/kept. I wouldn't want to explain why the car is registered and policy written in Iowa, but being used the last 6 months in The Bronx.
Good advice. Talk to your agent/insurer.
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The way you posted makes me think he's an uninsured driver. If he's not a driver of record under any policy, he is uninsured. I carry my youngest daughter on our "plan" even though she's 18. It's typically recommended that you put their car in their name and move them to their own policy for liability reasons. This is somewhat a fuzzy point where you may swap vehicles between people who reside at the same address. Your state may require you to carry uninsured motorist coverage on your policy.
As advised, talk to your agent.
As advised, talk to your agent.
I believe in Louisiana every driver at the same address is insured for every car at the same address. They may put some stipulation in that little Mikey can't drive dad's Porsche, but he's insured anyway and you're paying for it.
The reasoning is that if the house catches on fire and the family is trying to save the cars, then Mikey might drive away in dad's Porsche. Of if dad and mom are on vacation.
Snake Farm shows all it's agents "Risky Business" over and over.
The reasoning is that if the house catches on fire and the family is trying to save the cars, then Mikey might drive away in dad's Porsche. Of if dad and mom are on vacation.
Snake Farm shows all it's agents "Risky Business" over and over.
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Well, in my state (I have State Farm), the stipulation is "no other uninsured drivers at that address" ..and further since I'm rated over 25 "no uninsured under 25 drivers at that address". That is, my wife may have her own insurance. If she's insured ..that's about it. If she drops her insurance and we share "my cars", then she's uninsured and I'm (State Farm) is liable for anything she does.
If I send my daughter to California to college (anywhere really) and want to take her off of my insurance since she is not driving, she must turn in her license or change her address.
If I send my daughter to California to college (anywhere really) and want to take her off of my insurance since she is not driving, she must turn in her license or change her address.
I have Progressive and they make me list my mom on my policy even though she isnt(and never has been) a licensed driver. She gets listed as "List Only" on the policy. Progressive explained that all adults in the household over 16, even if not licensed MUST be listed on my policy. This is because they, "have access to the vehicle".
Originally Posted By: tigrpal
My son, whom I have carried on my insurance for the last 6 years, has moved out of the house to another state. I am letting him use one of my cars until he can afford his own. Do I need to continue to carry him on my insurance? The insurance is on the car not the people but if he gets in an accident, will my insurance carrier not cover because I dropped him?
Be extremely careful, and if you have any doubt as to your position, talk with a local lawyer, not just an insurance salesperson. A hundred to two to a good lawyer may be the best money you ever spent, should things somehow go horribly wrong.
You've got to remember that the law is not like medicine or accounting. If you get appendicitis, they'll carve out your appendix the same way in Miami as they will in Anchorage, Portland (either of them), Seattle, San Diego, or wherever. In contrast, the law changes every time you cross a state line.
Most places (keep in mind, I'm generalizing, NOT GIVING LEGAL ADVICE!!!) require that you have insurance that complies with state rules within so many days of setting up house in the new state. If you don't, you may face various sanctions. In some places, if your insurance company knows you've made the move, but they don't update the policy to comply with the laws in the new place, the policy will be automatically deemed to comply (whether or not you've paid for the new coverage). This said, EVERY STATE HAS ITS OWN WAY OF DEALING WITH THIS. Your best bet is ALWAYS to obtain the best coverage you can in the state of new residence to make sure that your're both covered, and in compliance with local law.
My son, whom I have carried on my insurance for the last 6 years, has moved out of the house to another state. I am letting him use one of my cars until he can afford his own. Do I need to continue to carry him on my insurance? The insurance is on the car not the people but if he gets in an accident, will my insurance carrier not cover because I dropped him?
Be extremely careful, and if you have any doubt as to your position, talk with a local lawyer, not just an insurance salesperson. A hundred to two to a good lawyer may be the best money you ever spent, should things somehow go horribly wrong.
You've got to remember that the law is not like medicine or accounting. If you get appendicitis, they'll carve out your appendix the same way in Miami as they will in Anchorage, Portland (either of them), Seattle, San Diego, or wherever. In contrast, the law changes every time you cross a state line.
Most places (keep in mind, I'm generalizing, NOT GIVING LEGAL ADVICE!!!) require that you have insurance that complies with state rules within so many days of setting up house in the new state. If you don't, you may face various sanctions. In some places, if your insurance company knows you've made the move, but they don't update the policy to comply with the laws in the new place, the policy will be automatically deemed to comply (whether or not you've paid for the new coverage). This said, EVERY STATE HAS ITS OWN WAY OF DEALING WITH THIS. Your best bet is ALWAYS to obtain the best coverage you can in the state of new residence to make sure that your're both covered, and in compliance with local law.
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