I live in NY State. My son is 19 and just got his license. He lives on college campus and only will be driving my car when he comes home to visit on weekends. Do I still need seperate insurance coverage for him?
2007-09-24 08:12:42 · 7 answers · asked by Mary 5 in Cars & Transportation ➔ Insurance & Registration
depends on your insurance company. I know that my insurance allows for a child to be rated at school without a vehicle, that way he still has continuous coverage when he gets out on his own. Since he does come home on the weekends, he is driving it an average of 104 days per year. In most cases, this is not considered a permissive use.
2007-09-25 06:22:14 · answer #1 · answered by buttrfly52 4 · 0⤊ 2⤋
Generally most parents may or may not report their children as driver's. Generally the insurance companies appreciate you letting them know they are going to drive so they can raise your rate but make sure that your son is covered. Personally I'd just let them know that your son lives at home and is away at college and on occasion drives your cars. Depending on your area insurance rates can go up when the vehicle is not going to be parked in a good area or has a higher chance of being stolen. Also enrolled students get special discounts and if he is a good student I believe here in Michigan as long as he gets a B or above average you will actually get a good student discount.
2007-09-24 08:19:12 · answer #2 · answered by haro_bikes1 2 · 0⤊ 2⤋
You should add him as an additional driver on your policy. Make sure that the insurance company knows that he lies at school, and will only have use of the car during visits home on weekends and school breaks. They most likely will give you a discount, due tio his being away from home!!
2007-09-24 08:27:45 · answer #3 · answered by fire4511 7 · 0⤊ 0⤋
if he is driving your car, he needs to be listed.
but, since hes a student you are able to get a truck full of discounts.
1.)if his grades are C+ or higher, discount.
2.)if he took drivers ed, discount.
3.)if he is away at school, over 100 miles WITHOUT a car, many companies will give you a discount.
4.)less drivers to vehicle ratio.
say you have one car, you tell the agent you are primary, your son is occasional.
or, if you have two cars and you and your husband are primary, then your son can be listed as an occasional.
but, if you have two cars and its just you, and your son uses the other one when he is home only, then no discount.
2007-09-24 08:37:09 · answer #4 · answered by ktlove 4 · 1⤊ 0⤋
Cars are insured. People are added to policies. Keep him on your policy and everything will be fine. If he gets his own car, either add that to yours to save some bucks (multiple vehicle discount) or have him get his own policy.
2007-09-25 03:51:00 · answer #5 · answered by lantern1701 6 · 0⤊ 0⤋
You should call your insurance company to find out whether he will be covered or not. If he gets in an accident, saying that YA said it was ok not to add him won't be of much help if they refuse to cover him.
2007-09-24 08:23:47 · answer #6 · answered by Brian A 7 · 1⤊ 0⤋
no he can be added to your policy, but will cost a bunch since he has access to a car 24/7 even if he aint driving that much,,
2007-09-24 08:19:42 · answer #7 · answered by rich2481 7 · 0⤊ 1⤋