Insurance Question
Senior Member
Joined: Jan 2003
Posts: 1,994
Likes: 2
I didn't mention it 'cause someone already answered it correctly.
Both my kids are on our family policy and both are getting good-student discounts. Even though one is in college, it still works.
Still, it depends on how YOUR insurance company decides to do it. So you still gotta make the phone call & find out for yourself.
Both my kids are on our family policy and both are getting good-student discounts. Even though one is in college, it still works.
Still, it depends on how YOUR insurance company decides to do it. So you still gotta make the phone call & find out for yourself.
Senior Member
Joined: Mar 2002
Posts: 16,353
Likes: 0
From: Ossining, New York
Originally posted by JimBlake
Just another thought from the other side of it... since I've got teenage kids.
If you are stupid enough to hurt someone with your car, and get sued for more than your insurance is worth, your parents could lose their home & lots more. They may want you on a separate policy to protect themselves from that. OTOH, some states laws are set up so that doesn't protect them anyway.
Like I said, each state has different laws & each insurance company has different ways of doing business.
Just another thought from the other side of it... since I've got teenage kids.
If you are stupid enough to hurt someone with your car, and get sued for more than your insurance is worth, your parents could lose their home & lots more. They may want you on a separate policy to protect themselves from that. OTOH, some states laws are set up so that doesn't protect them anyway.
Like I said, each state has different laws & each insurance company has different ways of doing business.
Actually Jim, if your kids are insured under their own policy and live at home, you can still be sued. So that doesn't matter one way or another. The way to make things better is to get extra liability on the policy such as a 1 million dollar policy. Then you'll be protected.