Understanding auto insurance for your child as they enter adulthood

When your teen started driving, you added them to your auto policy so you knew they were covered. Now, if your child moves out and continues to use your car, are they still covered by your policy?

There are a few situations to consider: 

If your child still lives with you:

They still have full rights to auto coverage under your policy and are protected by your homeowners' policy as well. 

If your child moved out but is using your car:

They're covered if they're using the car with your permission, but they don't have full protection. While they still have liability, medical payment, and uninsured/underinsured motorist coverage while in your vehicle, they don't receive the same coverages when driving someone else's car or as a pedestrian. 

Read more: Fact or fiction? The top 4 myths of renters' insurance debunked

What you should do to make sure your child is covered?

The best option to keep your driver protected - if your child moves out and keeps your vehicle - is to switch the title to his or her name and encourage them to purchase a personal auto policy. 

Talk to them about renters' insurance too. After they move out, your homeowners' coverage doesn't extend to their new digs. Renters' insurance is an inexpensive way to cover their belongings. They can work with an independent agent to make sure they're covered. 

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