Car Insurance for Grad Students

ellemenope
Thu, 21 Oct 2010 17:15:45 +0000

Drop 'em. Your insurance covers them as an occasional driver when they come home and need to drive your car. Make sure that you understand what parameters are included in the definition of “occasional” (besides residing so many miles away).

That is what our insurance agent told us. As ttparent correctly points out, different companies do things differently and state laws governing the area may differ. So you really need to check with your insurance carrier.

Our kids aren’t on our insurance. The agent said that if one of them were to get into an accident in our car, the company would want to put them on the policy. Otherwise, not necessary.

The kids would not have insurance when they rent a car, though. They’ll have to spring for the rental company’s insurance. Also, if they drive anyone else’s car (besides yours), they are taking pot luck on how much insurance that other person may have on his car (if any :eek:). If they had their own insurance, they wouldn’t have to worry if the owner of the car is un- or underinsured.