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Who's Auto Insurance Covers the Kids After They Have Moved Out


If you raised a Teenager you know the pattern all too well. Your boy suddenly reaches the age when he can finally get a learner's permit to start driving. After one or a few of tries, he passes the driving test and gets his life changing ID his drivers license. After he tries to get a Discount Auto Insurance policy himself and realizes he can't afford it. You decide to pay and tell your insurer about your enthusiastic new driver. Your vehicle insurance policy will include him throughout high school, when he graduates and goes to college, and while he's back home fifth avenue auto haus . At some point, he grows up and moves out on his own for good. Maybe he moves to a city with a good transit system, and his 1st job doesn't pay enough for him to pay all his bills and still afford a automobile in the city. So for the time being he goes without one.


One day, he finally gets the courage up to ask out that girl in the accounting he's been flirting with. Meeting her at the local pizza place just won't fly, so he begs his new best friend to borrow his vehicle. The friend, agrees to lend him the car if he puts gas in it and gives him money for a sandwich. Your young Don Wan picks up his date, pulls out onto busy 5th Ave, and bam rear-ends a BMW. Confused, he throws the vehicle into reverse and smacks into the Saab behind him. Two questions blow up in his head: 1) Is the date over? and 2) Does his friend[spin] have [spin]vehicle insurance to cover his exciting first date with dream girl accountant?


Bad news for your Don Wan: The girl grabs a cab and his friend missed his last insurance payment; the policy gets canceled for failure to pay. Then a light bulb turns on: Am I still on Mom and Dad's auto insurance. Just maybe their insurance policy will cover the repairs. Every insurance policy has a specific descriptions of who is cover under the policy. The standard Personal Auto Policy published by the Insurance Services Office states that the first named insured on the policy and "family members" have coverage for the ownership, maintenance or use of any automobile. Maybe Don Wan got lucky. Or maybe not.


Who's Auto Insurance Covers the Kids After They Have Moved Out