Do I need car insurance for my kid who doesn’t live at home?

Q. I have car or truck insurance coverage for me, my spouse, my 20-12 months-previous who is in school and my 23-year-old, who graduated from school and lives away from dwelling on his very own. He only drives our cars a several instances a calendar year. Do I nevertheless need to have to have motor vehicle insurance coverage for him? Can he be protected under the clause for uninsured motorists?

— Dad

A. The remedy isn’t quick.

The first matter you should really do is glimpse at your policy and talk about the coverages with your agent. We get that you really don’t want to pay back for insurance you never have to have, but you really don’t want to uncover you underinsured must something materialize when your son utilizes your car.

Most vehicle insurance plan insurance policies have a “permissive driver clause,” explained Loretta Worters of the Insurance plan Facts Institute.

She stated the clause signifies the car or truck operator can once in a while lend their automobile out to a pal or loved ones member, and their insurance policy will nonetheless deal with any potential damages in accordance with the auto coverage plan.

Having said that, she stated, it also depends on your insurance provider and your particular coverage.

For case in point, coverage guidelines and laws might be unique if the driver life in your home and could, or really should, be stated as a named insured on your plan but is not or if the driver is shown on your plan as “excluded.”

“Typically, even if the man or woman driving your automobile has his or her possess coverage, your insurance will be the principal payer for damages caused by your vehicle, but the particular person driving your motor vehicle has to be found legally at fault before your insurance coverage will pay out,” Worters stated. “The driver’s coverage is secondary and may perhaps protect some personal injuries or health-related expenditures. It could also give coverage in extra of your insurance coverage protection, if the expense of damages triggered by your auto is increased than your plan limits.”

Uninsured motorist protection is a incredibly different factor, she claimed.

It is coverage you obtain in situation you are in an incident with anyone who does not have any automobile coverage coverage, she said, noting that it’s illegal to drive with out insurance coverage.

Before you lend your car to someone — no matter whether a little one or good friend — she suggests you choose these measures.

Very first, make absolutely sure the borrower is certified to generate? Make confident their license is up to day and talk to to see it just before you transform over the keys.

Future, look at irrespective of whether the individual has a good driving record.

“If that particular person has been involved in quite a few accidents, there is a larger hazard they could problems your car or truck, too,” she stated.

Then make guaranteed your coverage is up to date and take into account rising legal responsibility coverage ahead of you enable a person borrow your auto..

Finally, be aware why they program to use your car.

“If it’s for commercial exercise like a ridesharing plan and you only have individual vehicle coverage, you may well not have coverage,” she said.

Also notice that for your faculty child, your insurance policies business may possibly offer discounts if the child lives a certain quantity of miles away from residence.

Email your issues to Talk [email protected].

Karin Rate Mueller writes the Bamboozled column for NJ Advance Media and is the founder of Abide by NJMoneyHelp on Twitter @NJMoneyHelp. Locate NJMoneyHelp on Fb. Indicator up for’s weekly e-publication.