Teen Car Insurance Under Parent’s Insurance Policy
Reader’s Question:
I am already away from home and my parents are getting divorced soon. What worries me is my 16-year old brother and his car insurance as well. I may help him get his own insurance policy here in Newark, New Jersey but I am not sure of that yet. In case I can’t get him his own, can he be under both of my parents’ car insurance policies?
Nia
Newark, NJ
Your teenage brother may have to split his time between your parents once they get divorced. Regarding his car insurance, a lot of insurance providers would recommend that the parent who has custody of your brother the most must add him to his/her car insurance policy. In some cases, insurance carriers say that it would be whoever parent has custody of your brother if he is attending school.
If the same car insurance provider gives coverage for your parents and they have joint custody, your brother would be covered by both of your parents’ car insurance policies, no matter if he is listed as a driver on either policy. The reason behind that is because some car insurance policies define “an insured” as “an individual who is related to you by blood, marriage, or adoption and is a resident of your household.” Not all car insurance policies are the same so make sure that you check with your parents’ policies or get in touch with the insurance provider for some information.
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