When you get married, one of the first things you may want to do is change your insurance policy. After all, who wants their new spouse to be on their parents’ policy? Changing your insurance policy is a great way to show your new spouse that you’re serious about wanting them by your side and that you’re working towards a life together. However, there are a few things to keep in mind before you make the switch. We’ll discuss some of those here.
Who is covered under your parents car insurance?
If you are under the age of 25, your parents are typically the only people who are covered under their car insurance policy. If you are over the age of 25 and still living at home, your parents may be covered as well. However, if you move out of your parents’ home and become an independent adult, you will need to get your own car insurance policy.
How do you get your parents to change their policy?
Getting your parents to change their car insurance policy after getting married can be a daunting task. However, there are a few things you can do to make this happen. First, try talking to them about the benefits of having your own policy. Explain that you want to be responsible for your own insurance and avoid being on the hook for any accidents or lawsuits that may occur while driving on their policy. Also, be honest about what your rates would be without their coverage and why you think it’s important for you to have your own policy. Finally, show them proof of insurance through an auto insurance quote comparison site or through your credit report. If they still won’t budge, it may be time to consider cutting ties with them altogether and finding an insurer who is more open-minded about family car insurance policies.
What happens if you break the rules?
If you break the rules your parents set for you when it comes to car insurance, there are a few things that can happen. The first is that your rates could go up, because insurers use violation rates as a way of calculating your risk. Second, if you get into an accident while your rates are elevated, your parents may be on the hook for any damages or injuries you cause. Finally, if you’re caught driving without insurance, your parents may be required to provide proof of liability coverage before they will give you a drivers license or vehicle registration.
Staying on your parents’ car insurance after marriage can be a tricky proposition because the terms and conditions of your policy may change. Depending on the coverage you have, you might be able to keep the same level of cover or even increase it. However, there are some things that will disqualify you from being covered by your parents’ policy, such as driving without due care and attention or using a vehicle for commercial purposes. If you’re concerned about whether or not staying on your parents’ car insurance after marriage is right for you, speak to them about it first.