My College Student Borrowed the Car…Now What?
School vacation isn’t just for the young children in your family; you’ll also be getting a pretty lengthy visit from your college kids this month. While there are a lot of “Now What?” situations that come with them being home, one that comes to mind for us is them driving your car. If they take your car and get into an accident…then what? The first question to ask is: Are they still on your Connecticut car insurance policy, on their own policy, or without car insurance while at school?
In most cases when your child heads off to school, you can anticipate that they will be still driving at some point even if they don’t bring their car. This includes when they will be driving when they come home and if they drive a friends’ car while at school. Even if they aren’t coming home a lot, you never know when they will need car insurance coverage. They are also most likely still considered to be a member of your household and you’re required to have all household members listed on your policy.
You want to make sure your child is never going to be behind the wheel without coverage. Talk with your agent about options that may help your premium if you have a college student. These may include a good student discount and in some cases, a student away discount. The only situation where you will find yourself removing your college student when they move away is if they get their own car insurance policy.. In this situation, they are most likely still considered a member of your household and every member of the household should be listed on the policy. There are student-away discounts for some companies and good student discounts as well; these may help with the premium.
No matter what the living situation is, it’s important that when they are your home driving, they have coverage. Because there are several different situations for a student at home from college, it may be best to call your agent about your unique needs. Call our agents today at 888.865.1244 and allow our agents to help with your car insurance policy needs.
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