Hi,
I just graduated college and moved out of state. I am still on my mom's auto insurance policy is this OK? If I get in an accident will I be covered? I preffer to stay on hers as long as possible due to lower rates.
2007-09-01 07:52:16 · 8 answers · asked by Matt 1 in Cars & Transportation ➔ Insurance & Registration
I do not believe that thi is ok. If you move out of state you must have your own insurance policy, and it must be from a company that covers you in that state.
2007-09-01 08:22:02 · answer #1 · answered by Anonymous · 0⤊ 0⤋
1
2016-09-25 03:03:49 · answer #2 · answered by ? 3 · 0⤊ 0⤋
You really need to follow up with your mom's insurance carrier, advise them you are still on her policy and you live out of state. Best at this time to be honest with your company. There are garaging issues, rates vary from state to state and sometimes even within a state. I work as an adjuster and have run into this very situation. It is not 100% that your mom's company will cover a claim involving the vehicle you are driving. The biggest concern your family could run into would be if you were involved in an accident and let's say it was your fault. Figure the cost to repair/replace your vehicle, the vehicle(s) and or property you have damaged, and person(s) you have injured could be easily 10's of thousands of dollars. Now of your mom's insurance carrier decides to deny the claim because of your attempt to evade premiums, you and your whole family are now personally on the hook for that money. I have heard of situations of people being sued and now in debt for the rest of there lives. To protect yourseld and your family, contact your insurance carrier NOW!
2007-09-01 08:13:44 · answer #3 · answered by meekless2001 4 · 0⤊ 0⤋
Not likely. Most policies dictate that you must live in the same residence as the insured policyholder. I would check with the company rather than find out after an accident that you are an uninsured driver.
2007-09-01 09:47:33 · answer #4 · answered by sensible_man 7 · 0⤊ 0⤋
If your legal residence is still in with Mom and you're a college student you MIGHT be OK...I'd check with your insurance carrier as you may need to register the car in the new state.
2007-09-02 01:13:37 · answer #5 · answered by Anonymous · 0⤊ 0⤋
You should call your insurance company with your question. Insurance companies are different in how they handles situation like this. Any advice you get here wouldn't count. Only your insurance company can tell you how THEY handle it.
2007-09-01 08:03:17 · answer #6 · answered by Anonymous · 0⤊ 0⤋
You agreed when you signed up to tell them about any changes in your life that would affect your coverage, and not living at home would be one of those things. No, you need to have your own policy that covers you in the area where you live now. Welcome to adulthood.
2007-09-01 09:06:04 · answer #7 · answered by oklatom 7 · 0⤊ 0⤋
you are able to substitute it by using USAA at any time. I purely replaced mine from illinois to colorado. My coverage isn't up till at last june. you are able to probable do it on line yet I think of it may be much less complicated to basically call them. that's what I did.
2016-10-17 10:00:22 · answer #8 · answered by ? 4 · 0⤊ 0⤋