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12 March, 2020 0
young men driving a car, when do kids need their own auto insurance?

When Do You Need to Get Off Your Parents’ Auto Policy?

How long before you need your own auto policy?

Most young drivers start out on their parents’ auto insurance policy because it is the easiest, most affordable coverage option.  However, what happens as you grow up and start to become independent?  Can you still maintain coverage under your parents’ policy?  Here’s what you need to know about your auto insurance in Los Angeles.

  • Residency Requirements

Where you live is the most important factor for auto insurance companies who cover multiple drivers on the same policy.  Usually, car insurers will allow parents and children to remain on the same policy as long as they all reside at the same address.  This means that many insurance companies will let children stay on their parents’ policy as long as they still live at home.

  • Moving Out

Once you officially move out of your parents’ home, you are legally required to secure your own auto insurance policy.  Prior to your move, make sure you secure your own policy and inform your parents’ auto insurance provider so they can remove you from their coverage.  Please note that attempting to remain on your parents’ policy by lying about your address is an act of fraud.  Should the insurance company find out about this, then you risk being denied claims coverage and having the policy canceled altogether.  So, if you do not want to affect your parents’ coverage, then be upfront about your changing living situation.

  • Residency Exceptions

There are some exceptions to the residency rule.  For instance, if you are leaving home to attend college, then you can still remain on your parents’ policy.  This is because your parents’ home is still probably your primary residence.  The other exception to this rule is children of divorced parents.  If your parents are divorced, you can still be listed on one parent’s auto policy, even if you only live there part-time.  If your parents have joint custody, then you can be listed on either’s auto policy.  However, if one parent has primary custody, then you must be listed on their policy.

This is what you need to know about staying on your parents’ auto policy.  Do you have additional questions about your auto insurance in Los Angeles?  If so, then contact the experts at Fuller Insurance Agency in Southern California.  We are ready to assist you with all your insurance needs today.

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