When you’re a college student, your parents are probably the most important people in your life. It’s no wonder, then, that most college students take out car insurance on their parents’ vehicles. However, as you get older and establish your own vehicle insurance policy, it may be time to reconsider this arrangement. In this blog post, we will explore how long you can be on your parents’ car insurance policy and what the consequences may be. ###
What Parents Car Insurance Covers
Parents are often in a rush to get their children safely to their various activities, but may not always think about what else the family might need. Here is a list of some things that parents might not think about when it comes to car insurance:
-A rental car if the family is going on vacation.
-If the family has pets, parents may want pet insurance coverage.
-A personal injury protection (PIP) policy for the parents. This type of policy pays out money if they are injured while driving.
– Coverage for property damage or theft of the car.
– uninsured motorist coverage for both the driver and passengers in the car.
How Long Can You Be on Parents Car Insurance
Parents Car insurance policies usually provide coverage for the driver and any passengers up to the age of 18. At this point, the parents’ policy ceases to be valid. The policy will continue to provide coverage for any children who are still under the age of 18 at the time of the accident. Typically, if a child turns 18 while they are still a passenger in a parent’s car, their own policy will take over and cover them as long as they remain covered by that policy.
How to Get Parents Car Insurance
If you are under the legal driving age, your parents may be able to provide you with car insurance. Under some circumstances, your parents may even be able to provide you with full coverage while driving their car for work purposes. You will need to discuss the specifics of your situation with both your parents and your insurance company.
Your parents may also be able to get you a reduced rate on car insurance if they are listed as the principal driver on your policy. If you do not have valid driver’s license or if you are not yet licensed, your parent may still be able to get car insurance for you. In some cases, third-party liability insurance can also be bought on behalf of a minor by their parents or guardians.
Hopefully, this article on how long you can be on parents car insurance has been of some help. Our advice is to always check with your own insurer to find out the exact date that you must stop being a named driver or cancel your policy. In general, most insurers will allow you to continue driving while on parental cover for as long as you are still meeting the eligibility criteria set by them. However, it is always best to speak with an adviser at your own insurance company in case there are any changes that might affect your coverage.