Reader’s Question:

Do I still have to insure my teenager on my policy since she/he is already 18 years old? They still live with me. Thank you.

Marcia

Thank you for asking Marcia

Yes.

Almost all insurance providers will require you to continue to have your licensed daughter or son listed on your auto insurance policy as long as they live in your household, even if they are already 18 years or older in age. Normally your insurance company will want all licensed drivers living in a residence listed on the policy so they will be properly covered.

Most insurance providers will require that a son or daughter that is away at college but returns home for the summer remain on the policy as well since he or she will likely operate the family vehicle(s) when at home.

To get more information on your insurance provider mandates, since insurance provider guidelines differ from each other, you may contact your insurance agent. Ask if there are any specific state insurance laws governing this situation.

Goodluck!

MariCAR