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I have a daughter going to college on Oahu and she is 18. I asked the insurance company USAA about removing her from the policy since she doesn't own a car there and can't drive our cars from hundreds of miles away. The answer I got was pretty much that if I took her off the policy, she could never drive our cars again. That doesn't make any sense to me. If I loan my car to my neighbor, it's covered. What difference would it make if the daughter came to visit (say, for a weekend) why would she have to be on the policy to drive our car?
Comments?
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I'm in the same, exact situation. My son is at college in Honolulu and the cars are with me in Alaska. State Farm also advised me to leave him on our policy, but did reduce the rate. It is my understanding that it is the car that is insured, not the person....so I guess I am wondering too.
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Some policies charge a premium if you have anyone under 25 driving your cars, and you get a sizable discount from that if you do not to let anyone under 25 drive your car. It doesn't matter if they are friends or family, 25 is the magic age for insurance companies, one insurance company we had on the mainland set it at 25 for women and 28 for men.
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I found this on the USAA web site:
Can I be insured on my parents' auto insurance policy while I am in college?
In most cases, yes. Contact us for more information on your eligibility for coverage. If you will be moving, ask for a quote since your premium may change.
So the premium may go UP if I keep her insured?
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What difference would it make if the daughter came to visit (say, for a weekend) why would she have to be on the policy to drive our car?
It is the under age 25 thing. If you loan your car to a neighbor who is under 25, you won't be covered either.
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So if a car thief under 25 steals my car, I'm not covered?
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So if a car thief under 25 steals my car, I'm not covered?
Only if they drive it. A good car thief brings a flatbed truck.
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My experience with this was if your child doesn't live in your house, then you didn't need to keep them on your policy to be covered. They would be insured just as friends that drive your car are insured. But I suspect each insurance company has their own rules on this.
