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I Don't Live With My Parents Can I Still Be on Their Car Insurance?
Can I be on my parents car insurance if I don't live with them? This is one of the questions many young people (especially males) who are just out of high school would ask. Although it is a common question, the answer isn't always clear. For parents it can be very frustrating to see their son or daughter to drive around in a vehicle that they didn't earn. Furthermore, many parents worry about their teenagers being involved in car accidents and injury which may cause them huge amounts of financial and emotional pain. Therefore, it is often very important for parents to make sure that they are fully aware of the legal aspects related to teen drivers and whether or not they can be covered by insurance.
In most cases, the answer is "yes". Teens can obtain coverage for their own vehicle, even though it is their own. This is usually considered "possession" which means that if the car is unattended by the parents, the teenager is responsible to make sure that it is insured. Therefore, if the car is stolen, vandalized or wrecked during an accident, then the parents will be held responsible. However, this does not mean that the teenager can no longer be covered by their parents' insurance policy. It just means that the policy will only pay out to the parents for the cost of repair and replacement.
If you are still asking, can I be on my parents car insurance if I don't live with them then it is likely that you are still living with your parents. If this is the case, you must have gotten your car legally titled while you were still under the age of 16. If you haven't, then you need to contact your parents about getting a copy of your driver's license. You can do this at any department store that sells driver's licenses and then simply ask to be taken to your parents' insurance company. Most companies allow this because they want you to be able to be responsible if you drive and use your car.
Many teens wonder, can I be on my parents car insurance if I don't live with them? In addition to live in the house, you also have to have valid insurance to drive. If you have a clean record, then this should not be a problem. However, many people don't have this record and therefore wonder can I be on my parents' insurance if I don't live with them? If you do, then you may find that you can only drive to school and work and then you will not be able to add your car to your insurance policy.
This is due to a very specific part of your policy. The policy for car insurance states that you can only be insured on your primary driver's license and not your license for driving. In order for your policy to specify that you can be covered by a secondary policy, you must have a valid driver's license for yourself. So you can be on your parents car insurance policy if you don't live with them, but it will be very hard for you to obtain insurance without a primary policy.
If you have a driver's license, but you are living with your parents, then you will need to purchase a secondary policy that will cover you and your car. However, you will have to pay for the additional coverage separately. Usually this is an amount that is equal to your monthly payment, but it can also be based on the cost of the additional coverage.
There are two main ways that parents can get around this problem. They can change their vehicle policies so that you are covered on both cars. The problem with this is that your rates may be increased and in some cases, they can cancel your coverage. Another way to avoid this issue is to ask the insurance company to allow you to select your own coverage. By selecting this type of policy you will pay a higher rate for your car insurance, but you can take away the responsibility of dealing with an insurer.
You can find this information online. Just do a simple search with your favorite search engine for "car insurance". Look at the various policies that are available and see which ones have your driver's license on it. Then just compare the price to the quote that you received. If the quote is more than the policy, then you know that you can be on your own.
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