Insurance

Can a minor child have their own insurance policy?

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2008-08-23 15:14:52
2008-08-23 15:14:52

A parent or other adult can purchase insurance for a minor. A minor might not be able to make the payments on a policy.

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Yes, you can have your own auto insurance policy. If you are a minor though, you will need your legal gaurdian to countersign your application for insurance coverage.


If you can show your insurance co. that your child lives on their own AND has their own car insurance, you should be able to get your child OFF of your policy


No. Most insurance companies do not allow a minor to have their own policy because an insurance policy and application are a legal contract and a minor cannot generally be party to a legal contract. I do know of a couple of insurance companies that overlook this and allow even a 16 year old to buy a policy.


No. A minor is a person who is not of legal age to sign a contract and an insurance policy is a legal contract. A minor may or may not have the ability, depending on state laws and regulations to own a vehicle.


In the state of Florida a minor cannot have an auto insurance policy unless a parent signs for it. Usually if said minor lives with their parents they are usually just put on their parent's policy


Full liability, as the child is still a minor and the parents are responsible; on the other hand, at the age of 17, a teenager cannot legally enter in a contract, so the insurance policy is void and the insurance becomes just as liable.


No. An insurance policy is a kind of contract, and a contract cannot be enforced against a minor. An insurance company would be foolish to issue a policy whose conditions could not be enforced.


That depends on weather or not your 17 year old has their insurance on the parents policy. It will go up if the child is on the parents policy, but if the child has their own policy, it won't. But it will be cheaper if the child is added on to the parents policy. My husband is a North Carolina State Trooper so I know alot about insurance. Also, call around and go online for the cheapest rates.


Usually the answer to this question is no. Rarely an insurance company will let a 17 year old take out a policy on their own if they legally own the vehicle as well. Because an insurance policy is a legal contract that usually means that you must be 18 in order to sign the policy application.



Anyone can purchase an Auto Insurance Policy. However if you are a minor, due to the limitations of contract law you would need a parent or legal guardian to countersign any application.


Any legal driving age can obtain insurance in Texas. If you are a minor then your parents or legal gaurdian will have to countersign your application.


Add her to your policy, but make her understand this is to help her out, and if she behaves irresponsibly, she on her own for insurance coverage .


Either parent could provide insurance for a child under their auto insurance policy. Alternatively, the child could obtain their own auto insurance policy if either parent is willing to countersign sign the insurance application with the child. As far as liability causation the parent who facilitated the acquisition of the automobile wold have the greater responsibility for resulting damage and liabilities.


Only your Insurance Companies own website will give you access to your auto insurance policy.


Yes, parents and children have an insurable interest, so you can have a life insurance policy on your son and daughter-in-law. If they both happen to die prematurely and minor children will become your responsibility, then life insurance is not only justified, but needed.


If he lives with you then you may not be able to. If he has moved into his own residence, then you should be able to.


Yes, you can but its best to be under you parents policy...Since the price will be "Very High" since your under 18.


No. Absolutely not. You cannot insure a vehicle that you do not own. The only exemption of this is if the owner and insured are married and live together or a dependent child living at home. Most companies want an adult child to have their own insurance policy even if they live with you. Call your agent and ask to be sure.


No. The minor has the same needs as before which the parents have to pay for. The minor and the father of her child will have to pay for their own child.


A teen in Rhode Island should get their own auto insurance policy when they get a car in their name.


Each vehicle does have to have its own insurance policy, but as long as she is listed as primary driver on the car your husband can purchase and pay for the insurance on the car she drives when not at home. This is commonly done for example while a child is away at college.


If you have fire insurance on your own home you will be covered under your own policy. You don't need to worry about whether the neighbors house has insurance or not. It does not affect the coverage you have under your own policy.


No. there is no such thing as a retroactive homeowners insurance policy.


No, they are not old enough to sign a contract such as an insurance policy. They will require an adult to obtain the policy for them.



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