Do you have to have insurance because you have a drivers license in CA?

Question

I'm going to be going away for college, i'm living on campus and won't have a car. And i'm not going to drive other people's cars either.

My mom's insurance is not letting us take me off her insurance because they say i have a valid driver's license.

Do you have to have insurance to have a drivers license?

I'm going to be 500 miles away from my moms cars and i'm not going to be driving at all.

Is it just me that makes this seem like it's ridiculous?

Please only respond if you have the knowledge about the situation, guesses aren't really helpful. Thanks!

Answer 1

Until you establish permanent residence elsewhere, they assume you will have access to and use her car occasionally on holidays, breaks etc. I know I did when I was in school and came home on break.

Answer 2

I wish my experience is helpful for you.Here is the good resource.

http://insurance.freetipz.info/insurance...

Answer 3

They way they see it, you may be coming home for holidays, summer, etc.  Also you want to remember, if your taken off her policy and later on decide you need insurance, your initial rates will be higher because you haven't had consecutive years of insurance.

Just have your mom tell them your moving out of state for good.  It's her policy, she should be able to do with it as she pleases.

Answer 4

You DO NOT need insurance or a vehicle to have a drivers license in Calif. or any other State. (exception: if you need an SR22 Filing, then you must have SR22 Insurance) When you get to your college and have a perminent address there, go to DMV and change your address on your drivers license (make sure the DMV puts your new address in the computor, as the Insurance company will look in the DMV data base to verify your new address). Have your mom notify her Insurance Company of your new address & put them on notice that you no longer live in her residence. That should take care of it. Insurance rules are as followes: Any licensed driver that RESIDES in the same residence as the insured, MUST be named on the insured's policy. Any licensed driver that DOE'S NOT RESIDE in the insured's residence DOES NOT need to be named on the insured's policy.  Hope this helps.