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Only if you expect your insurance to cover you if the child has an accident. You auto insurance contract states that you are responsible for listing all household members and drivers who drive your vehicles. If you do not do this then you have committed material misrepresentation and the insurance company is then not responsible for paying for the damage from the accident.

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2013-04-07 02:40:59
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Q: Do you have to add your child to your car insurance if they live at a diffent house hold but primary driver of the car?
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Related questions

Will your auto insurance cover your child?

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

If you buy your child a car does it have to be in your name?

If your child gets in a wreck and the insurance company finds out he caused is and he has been the primary driver in your name, they dont't have to pay a cent and your rates may skyrocket until your child moves out.

Do you have to add your child to your car insurance if they live at a different household but primary driver of the car?

Only in a case whereby you would like them to be responsible for paying a claim if something happens to the vehicle while the child is driving. Sorry for the sarcasm. You would definitely be required to have them listed as the primary driver on the vehicle in this case where they are the primary driver of the car. Remember to always tell the insurance company the complete truth. All household members and/or drivers of the vehicles must be listed as drivers on the application. Remember that this means if they live in the household or if they drive the car. This means that in either case they must be listed on the application as driver. If your child lives elsewhere such as in college they are still considered a member of the household and therefore must be listed on the insurance application. Be careful about telling the insurance company the complete truth about drivers, vehicles, and addresses to make sure you have coverage when you need it.

Can your husband have his daughter on his car insurance policy if she does not live with us?

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.

Is my adult child living at home covered under my auto insurance policy?

Depends on your insurance provider. You'll have to contact your agent or the company through customer service to find out what your insurance policy covers. It'll also be on your policy if you have it. Some insurance policies automatically cover infrequent drivers, others only cover primary insured. If your child is a regular driver of the vehicle, you will need to add them to the insurance at additional cost.

When to get car insurance for new child driver?

Check with your Insurance Agent/Company to be specific. Definately as soon as they receive their license. At the very least, the insurance company should be aware of the new driver as soon as they get their permit.

What is the definition of primary coverage in regard to medical insurance?

Often, a person will have "primary" insurance and "secondary" insurance. For example, if you have insurance through your job, and your husband has insurance through his job, then your primary insurance will be the one through your job, and your secondary insurance will be the one through your husband's job. Also, your husband's insurance through his job will be his primary, and yours through your job will be his secondary. There can be some exceptions to this though. For example, if you were married, had a child, then divorced and remarried (retaining custody of the child), and both your ex and current husbands have insurance through work, then the one who's birthday is first is considered the "primary" insurance, and the other is the "secondary" insurance. But there will still be a deductible with each one that has to be met before either one will pay.

Can you keep a child on your auto insurance if she has graduated from college?

Yes, anyone can be a listed driver on your car.

What is the average cost of auto insurance for a 16 year old in new york?

This depends on where in NY you live, tickets/accidents on the driver's record, type of vehicle, types of coverage on the policy, limits and deductibles, who the insurance company is, whether the child is a primary driver of any car or is an additional driver and whether there are other discounts available (driver's ed, good student, multi-car, homeowner's policy, etc.) Check with several insurance companies - including online options - to get an average price that relates to your specific information.

In NC is it legal for my child to drive uninsured when he has his license if I am in the car with him and have insurance on the car?

Insurance is issued on the vehicle, not the driver. If your child, properly licensed, is driving with you in the front passenger seat, the vehicle and its passengers are covered.

If a child has primary and secondary medical insurance who settles the dispute when the primary decides the secondary should now be primary instead of secondary as they had been for several years now?

It's not at the discretion of the insurance company as to who is the primary or the secondary. It is the sole decision of the policy holder(you). They are a paid service and are there to serve you. Correction: No, it's not at the discretion of the policy holder. The primary coverage is based on who's birthday comes first. For example, in this particular case, the child lives with his mother and stepfather, and the stepfather and the biological father both have him on their medical insurance policies. The father's birthday is in October and the stepfather's birthday is in December. So the father's insurance is primary, and the stepfather's insurance is secondary. These are the quidelines insurance companies use to determine which one is primary, and which one is secondary.

Can you remove a child from your insurance if his car is registered to his father and insured in another state and he doesn't drive your car?

Yes you can, Ask your insurance company for a Named Driver Exclusion. This will allow your child to stay on your policy(just in case) with out being charged for that child!

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