<p>Very fortunately, DD has landed a decent summer job on campus, with housing provided. The potential issue is driver’s license and insurance. </p>
<p>DD has a learner’s permit from our state and did not get a full license because we could not afford to add her as one of the drivers to our policy. She said she could get access to a car so she could pass the license test there. Does she have to get her own insurance? </p>
<p>Thank you.</p>
<p>It varies by insurance company and probably by state (it being a matter for state regulation). To ensure coverage, I’d memorialize my agreement with my insurance agent/company in writing.</p>
<p>I think it depends on your auto insurance. For our company, if the kids are at school that is over 70 miles away and have a 3.0 they get charged a different rate, basically covered no matter where they are at a cheaper rate than if at home as a PT (we have 4 drivers and 3 cars). However, if they took the car to school they would be charged the rate of full time driving. Our policy covers the cars and drivers, since we are on the title, our children could not get sep. insurance for any of the cars. I have lived in NC, VA, KS, AK, and NJ, that has always been the case for our company, regardless of what state we lived in.</p>
<p>You should talk to your insurance agent.
Adding an “away from home” student to your policy is pretty cheap, but I don’t know if you can do it if her license is from a different state. Getting her own insurance will be extremely expensive. And I would not like to have my child with no driving experience borrowing anyone’s car.</p>
<p>If she will be working at Stanford, all she needs is a bike.</p>
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<p>Amen to that.</p>
<p>Our DS is attending college in another state than we live in, and he is covered. It was much cheaper for him, about 300 a yr. He is covered yr round, b/c our company realizes he will be only home for about 3 months total out of the yr.</p>
<p>I also agree I would not feel comfortable sending my newly licensed child OOS with a car. I would tell them if you want to do this bad enough over the summer, than here’s your bike. She would be driving not only in another state, but very unfamiliar surroundings. In NOVA that is a prescription for getting into an accident (VA drivers are nuts whether they are driving in town or on the highway)</p>
<p>BTW a friend was shocked that I didn’t send DS to college without his car. I explained to them that there was absolutely no need, the school has their own bus system to get that around campus, plus, sep. buses that will take them into town(shopping malls), there are restaurants and theatres within walking distance off campus, and there is mass transit too (the Metro) to take him into DC or Baltimore. He has never complained, and none of his friends have cars either!</p>
<p>Is this campus large and in a city environment(UMD, Drexel, UNCCH, Johns Hopkins) or in a rural town (WVU, JMU, VTech, ECU)</p>
<p>Agree with not letting someone else drive your car. I was t-boned by a Vandy sophomore who was driving her friend’s car(she was a passenger for some strange reason). The owner, not the driver’s insurance was the one who had to pay the $2700 body work repair bill. Luckily, alcohol was NOT a factor and no one was injured. All 4 girls were terrified and I had to calm them all down and pass out Kleenex they were crying so hard.</p>
<p>I would say this, if I ever found out my kids allowed somebody else to drive their car, the only excuse that would not make me take the keys away is if the friend was driving them to the hospital…or they were drunk, but than there would be a different talk happening over that!</p>
<p>^ I can think of another reason, and something that I need to investigate before June. D1 is going to the Outer Banks with a group of friends. She wants to drive our van because it can comfortably carry four people, luggage, and groceries. It’s a 7-8 hour drive…I happen to think that it would be safer for her to share the driving rather than spend all that time behind the wheel, but we do need to check the situation with our insurance company.</p>
<p>I get your point, but what I was referencing was having somebody drive our children’s car when they are on campus and not taking a road trip!</p>
<p>Dad II - first of all, your daughter most likely will need to get her license in the same state as you to be on your policy, but check on that. CA car insurance is very expensive, so if you tell you insurance company that she will be driving in CA, your rate will probably go up a lot.</p>
<p>Now, here is the biggest down side, once she gets her license, she will be forever on your policy until she is no longer your dependent. You have no option but to keep her on even if she’s not going to be driving after this summer. The only way to take her off is to suspend her license. I found this out when our D1 had a moving violation, and the insurance company wanted to increase our insurance by $1000. I asked to leave D1 out of our policy until the “penalty period” was over. They wanted proof of license suspension before they would take her off. This is in NJ.</p>
<p>You do get a discount if your kid is going to school X miles from home and doesn’t have a car at school.</p>
<p>thanks for all the inputs. DD has driven extensively, with one of us on the passenger side of course, before she left for college. She has a bike which is indeed enough for on campus. </p>
<p>I am thinking that her job may require some driving of company/school car for job related activities. I call our agent and got the answer I like to hear. Since she will not be driving one of my old cars, it really has nothing to do with our policy. Since she will not be the owner of any car, she can not buy insurance. So, if her job gives her a car to drive, they better have an insurance policy covering authorized employees.</p>
<p>Actually, she can’t have her own insurance, since she does not have a car. You’ll have to add her as a driver to yours.</p>
<p>If the “car access” is through the car rental arrangement they have on campus - it’s probably fine, but I bet she’ll never need it, and I would strongly discourage it. If it is borrowing someone’s car - I’d not allow it.</p>
<p>Edit: Just saw your post above. I guess you have it all figured out.</p>
<p>What would be most surprising to me is your daughter’s ability to obtain a license in a state NOT considered her permanent residence.</p>
<p>Unless she is living permanently and full-time in the state she goes to school, I can’t see that state issuing her a DL.</p>
<p>My understanding is that the member of your household (to be on your policy) needs to be licensed in your home state.</p>
<p>Dad II - if I were you I would make sure the company has adequate insurance, you may get stuck with the bill otherwise. If there is any injury or death, and the company doesn’t have enough liability insurance, you may become liable. My father had a minor accident, but injured a driver, the lawsuit went on for 4 years. His insurance company represented him because the amount they were suing for was below his liability insurance</p>
<p>In MN I believe you can’t get your license until you show proof of insurance. Can you get a California license if you are OOS?</p>
<p>Same in NJ.</p>
<p>If you are a visitor in California over 18 and have a valid driver license from your home state or country, you may drive in this state without getting a California driver license as long as your home state license remains valid. </p>
<p>If you become a California resident, you must get a California driver license within 10 days. Residency is established by voting in a California election, paying resident tuition, filing for a homeowner’s property tax exemption, or any other privilege or benefit not ordinarily extended to nonresidents.</p>
<p>Thanks,</p>
<p>This means we will have to fly her back to get her licence and fly her out there to start her job. It is going to be an expensive licence.</p>