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Do you have to add your child to your auto insurance policy if they do not live at your address?

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2012-05-25 19:35:02
2012-05-25 19:35:02

In the state of Texas you do not have to list your child on your policy. If living in your home you can enlist a separate policy for that child. If living in another home it is never a requirement to have them on your policy although there are some policies which certain insurance companies write which require the child on your policy while living in your residence.

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If you add the child as a driver on the policy.


You can pay for insurance on an auto that is not yours...but the policy must be the titleholder's policy.


As the driver is a minor child, the Custodial Parent or other Custodial Entity is Financially Liable for the acts of the minor child. An auto accident may or may not be covered under the Custodians Auto insurance Policy depending on whether the child is covered or excluded from coverage on that Policy.


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


Not necessary- you only add/exclude drivers


Talk with your auto insurance agent if you don't know how to read your insurance policy.


If he is driving a vehicle that owned by the parents it is advisable that he remain on the insurance policy.


NO,, GAP Insurance is supposed to pay the difference between what your Auto Policy paid and any remaining portion of your loss after the Auto Insurance Policy has paid it's maximum. If No Auto Insurance Policy is in Place providing comprehensive and collision coverage then your GAP Policy is Null and Void. GAP coverage only pays in conjunction with your Auto Insurance Policy. No Auto Insurance! No Gap Payment


You need to make sure the insurance company knows that the child is now the primary driver on that vehicle and you also have to give them the garaging address where the vehicle is normally kept. These are requirements under the policy. As long as you are honest with the insurance company you will find that an auto insurance policy is a very flexible contract. As a matter of full disclosure, I own and operate a small Independent Insurance Company in Central Georgia and have for the past 22 years. Prior to that I worked as an agent for a direct writer of insurance for 3 years.


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.


Just call up your insurance company/agent, and tell them that you request his name to be removed from your policy. They will then issue you a new policy w/ id cards. Some insurance companies require that the 18 year old has acquired auto insurance elsewhere before removing them from the parent's policy. This may prove difficult for the parent who may be forced by the insurance company to carry auto insurance on their child indefinitely until such a time when insurance can be obtained.


There is no Such Auto Insurance Policy. You would need a Primary Auto Insurance Policy on your own Vehicle and then an attached Umbrella Policy on top of it in order to get close to this.



The length of the terms on a Progressive auto insurance policy will depend on which type of policy you choose. The longer you commit to their insurance, the better deal you will get.


An auto policy is basically a car insurance policy. It spells out what kinds of damage and occurrences are covered.


maybe it will help you - autoinsurance.aains.us/adding-young-driver-auto-insurance-policy/


The best way to train businesses on auto policy insurance is to review the entire policy in detail, especially going through any exceptions to the policy.


There is no such thing as "SR22 Insurance". What is referred to as such is actually just Auto Insurance with an SR22 filing. Any liability Auto Insurance Policy or even a Full Coverage Auto Insurance Policy can have an SR22 Endorsement attached to it.


This is a question best answered by your insurance agent or a call to your insurance company's 800 customer service phoneline.A bit more:Unless the insurance regulations have changed since I was a licensed auto and homeowners insurance agent: If your child is of legal adult age and not living with you, then no, you don't add him to your policy. Actually, many insurance companies wouldn't allow you to include an adult child (or any other adult) who does not live with you to your auto insurance policy.


Since Sr22 Insurance is actually just Auto Insurance. The answer is that it costs the same as an Auto Insurance policy would.


Inexpensive auto insurance can be as good as expensive auto insurance, it just depends on the policy you are getting. If you are aware of exactly what coverage you are purchasing, there should be no reason why you couldn't by the less expensive policy.


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.


Yes. In Colorado a trailer would be covered under the auto insurance policy. If you have a fifth wheel or camper I would recommended and insurance policy by itself on it.


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


All drivers should be listed on your policy to be a covered driver. you should add your child to your auto policy for proper coverage.



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