Question about family car insurance policy...?

Question

I've had a family auto insurance policy for a couple years, now my son is moving into his own apartment. Can I keep him under my policy even though his address will be different than mine? He will still driving a vehicle registered to me. We live in Pennsylvania.

Answer 1

It depends upon the insurance company. Some companys rate policies by vehicle ownership, which means all vehicles owned by the customer irrespective of where they are kept, should be insured on the same policy. Others rate on the household, which means all vehicles kept at the same garaging address should be insured on the same policy. Some companies will also take into consideration whether or not he is a financial dependent. Some companys will "split" the account and spin off his own policy that is a copy of yours. Others will require that he write his own policy and qualify on his own. Every company has its own guidelines and rules.

I'd recommend that you contact your agent and see how your insurance company handles the issue.

Answer 2

Check with your insurance company. Some may be fine with this practice, others may want you to take out a separate policy for him, others may want him to get a policy in his name. Practices vary, so check it out before you will need to file a claim.

Answer 3

You need to let them know he's the principle operator and where he lives so they can rate the policy for that location. You should be ok though.

Answer 4

if he is a student and still supported by you, then yes, keep him on your policy
if he is working and "on his own", then you should title the car in his name and get him his own policy