Auto Insurance For Teenager- Can I Add My Son As Occasional Driver?
Filed under: Teenager car insurance, Teenager insurance
Reader’s Question:
My son is a full time student currently residing on campus. He does not drive and he does not own vehicle. He is on our car insurance policy currently and I would like to know if we could remove him from our car insurance policy in Flint, Michigan and will be covered if occasionally drive our vehicle?
Jenny
Flint, MI
Generally, car insurance carriers will require you to list all licensed household members and that includes all children that are away at college or home that may drive your cars. Usually coverage is extended to those you have given permission to drive your car. However it does not cover a relative who drives your car that are not listed on your car insurance policy or specifically excluded on the auto insurance policy.
I suggest that you check with your current car insurance carrier in Flint, Michigan to know exactly the rules and guidelines in your specific situation. You may also read over your car insurance policy to verify if your son will still be covered if you take him off your car insurance policy.
Insurance carrier’s rules and guidelines differ. Some may look into mileage driven and some insurers do not. I believe it is possible that your son may be included as an occasional driver on your car insurance policy. Another option that you may do is to exclude him at the time that he is in school by showing proof that he is not residing with you. The insurance company would want to make sure that your son do not have access to your vehicles so may need to present proof that he does not live with you. So, verify with your car insurance company in Flint, Michigan to get the answers for your car insurance needs.
Tags: auto insurance, Student car insurance, teen insurance, Young driver car insurance