Can Kids Stay on Your Auto Insurance Forever?

What parents should know about insuring their kids on their auto insurance handing female driver car keyspolicies.

When your child got their driver’s license, you probably added them to your auto insurance policy because it was the easiest and most affordable way to get them covered.  However, now that they are growing up and setting off on their own, you may be wondering about your ability to keep them insured on your policy.  Here’s what you should know about parents’ keeping their kids on their auto policies.

  • Auto Insurance Residency Requirements

Where you live is the most important factor for auto insurance companies who cover multiple drivers on the same policy.  Usually, car insurers will allow parents and children to remain on the same policy as long as they all reside at the same address.  This means that many insurance companies will let children stay on their parents’ policy as long as they still live at home.

  • When Your Child Moves Out

Once your child officially moves out of your home, they are legally required to secure their own auto insurance policy.  Prior to their move, make sure they secure their own policy and inform your auto insurance provider so they can remove your child from your coverage.  Please note that attempting to keep your child on your policy by lying about their new address is an act of fraud.  Should the insurance company find out about this, then you risk being denied claims coverage and having the policy canceled altogether.  So, if you do not want to lose your coverage, be upfront about your child’s changing living situation.

  • Residency Exceptions

There are some exceptions to the residency rule.  For instance, if a child is leaving home to attend college, then they can still remain on your policy.  This is because your home is still probably your child’s primary residence.  The other exception to this rule is children of divorced parents.  If you and your spouse are divorced, then you can still list your child on your auto policy, even if they only live with you for a portion of the year.

This is what you need to know about keeping your child on your auto insurance policy.  Do you have additional questions about your car coverage?  If so, then contact the experts at Miller Carlisle Insurance Services.  We are ready to assist you with all your personal insurance needs today.