Do you add your kids under your car insurance ?

Question

Do you add your kids under your car insurance ?

Answer 1

Yes. If they have a valid drivers license, yes.   If they are in an accident, while not covered, the insurance won't pay out a claim.

Answer 2

Good question star for you!

This is a very common question. Here's how it works. If you have a standard or preferred company, anyone you give permission to drive the insured car is covered...with a few exceptions.

Exception 1- The driver must not live in your household. If they do, they must have their own policy or be named on yours to be covered.

Exception 2- The driver must not be driving the car regularly. If they do, they should be named on the policy.

Exception 3- The driver must not be using the car for any business purposes. Commercial auto insurance is a completely different product that is rated differently. A standard personal auto policy will not cover business activities unless otherwise stated.

Exception 4- The driver must have a valid driver's license.

So, if your kids live in the house and/or drive one of your cars regularly, they need to be on your policy or have a policy of their own.

Hope this helped

Answer 3

You HAVED to add them to your insurance if they live in your house.

It make no difference if they have their own car and insurance they must still be listed on your insurance. The reasoning behind this is such that if they live with you there is a possibility that at some point or another they may wind up driving your car.

You may remove them when they move out of your house. You could check with your Insurance Company if they get married and still live at home, for that I am not sure.

Answer 4

I am pretty sure if you live in the same household as your parents, they actually have to add you to the policy.  If you are driving a relative's car that you don't live with, you probably don't need to be on the policy.

It's always a good idea to call the insurance company and ask to make sure you will be covered if you are driving someone else's car no matter who they are.

Answer 5

i always had my own policy.....i got told i want to drive i can ruin my own driving record. turns out i am a good driver....with a great record.

Answer 6

you are not alone to have this kind question, many people wonder the same.here is the good resource that might be helpful.http://car-insurance.online-tips.info/ca...

Answer 7

For car insurance the most efficient way to get a very good rate is do a policy comparison on car policies. Make sure that you compare similar policies with the same limits, auto type, zip code, etc so that all things are a good comparison.



What I usually recommend is an online comparison quote at http://www.InsureAutoNow.info since they have discount insurers and can give many quotes on car insurance polices.

Answer 8

when they reach legal driving age, yes

Answer 9

Yes. In some cases you have to do so.

http://carinsurance.yoll.net - I personally have their car insurance with kids added, cause it is the cheapest for them in our area.