How old can a dependent child be before it is necessary for them to be on their own insurance? They are a student now and living in same state. He is contemplating moving to a different address and possibly to a different state.
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UPDATED: Nov 21, 2018
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Insurance Question from Bartlett, TN
Asked on 11/21/2018
How old can a dependent child be before it is necessary for them to be on their own insurance? They are a student now and living in same state. He is contemplating moving to a different address and possibly to a different state. The car is in his name.
Answer given on December 04, 2018
Even if the child is a dependent, in most auto insurance companies the insurance must be in the name of the registered owner. If the car is currently insured under your auto insurance policy, there could be a problem if there is a major incident. You should talk to your insurance agent about this right away. Also if the child is living at a separate address, the insurance should be where they are living. If they move out of state, then a separate insurance policy needs to be written in that state, since there are different laws in different states. The car should also be re-registered to the state in question.
Of course getting a separate policy will most likely result in the loss of any multi car discount that they may have been receiving. However, if they move to a different address and/or state, they should get renters insurance. It is relatively inexpensive and will likely afford them a multi policy discount.
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