Do I have to carry an adult child(over 23) on my auto policy if that adult owns their own vehicle and has their own auto ins policy?
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UPDATED: Jun 18, 2012
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Insurance Question from Smithtown, NY
Asked on 06/18/2012
Do I have to carry an adult child(over 23) on my auto policy if that adult owns their own vehicle and has their own auto ins policy? 24 year old son, owns his car, has his own ins policy, do I have to name him on my policy because he lives in my home?
Answer given on June 19, 2012
In the auto insurance coverage, most insurance companies do want to know about all drivers in the household. In your case, since your son has his own car and insurance, he should not be a factor in the rating of your policy. However, you should talk to your agent to see what is required by your insurance company.You may need to provide a copy of your son’s insurance policy to your company to serve as proof of other insurance. Since he is being rated on his own policy, he should not affect your rates.There are some insurance companies who will charge for all drivers in the household unless they are excluded from your policy. They feel that the drivers could use any car in the household, and they are entitled to the premium for all drivers based on their ages, driving record, and the like. If your insurance company insists on charging for your son, you should see if you can find another insurance company which will not rate your policy in that manner.
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