Can i be on my parents auto insurance policy if ive moved out?

Can i be on my parents auto insurance policy if ive moved out?

I didnt change my address at the DMV when i moved out because im planning on moving back with them this summer. But i got a new car and the dealership changed my address at the DMV To my boyfriends apartment (i do live there mostly) :( so i got the sticker for my ID in the mail and im worried now that i cant be covered under my parents auto insurance if my address has changed at the DMV from their household.


If you got a new car and it is titled in your name you will not be able to insure it on their policy. However, they can and should still list you as a driver on their policy if you have regular use of their car.Source(s):...


If they authorize, probably.




Before we talk about the address issue, let’s talk about your auto insurance coverage.You say you bought a new car, and I assume YOUR NAME is the only listed owner of this car. You did not mention if you paid cash for the car, or if you financed the car through a car loan company or bank. If there is a car loan, then the bank has a security interest in the car. And most likely, the car dealership would require you to secure insurance before you drove off the lot. (If you already had an insurance policy in your name, then you have temporary automatic coverage for any “newly acquired” vehicle, but that is limited to just a few days.)To insure any vehicle, you must have an “insurable interest.” And since you own the vehicle, you do have an insurable interest. However, your parents do not have an insurable interest in the car you just bought since you are (presumably) the only listed owner. Thus, your new can cannot be insured under your parents auto insurance.You have been an “insured driver” under your parents auto insurance, but I’m guessing you are not the “named insured.” Big difference. The “named insured” would likely be your mom and dad. I just wanted to clarify that. So if you buy a new car, it is NOT automatically covered under your parent’s auto insurance. (Because you are not the "named insured" on their policy.)If this new car was added to your parent’s auto insurance, then you are in serious potential trouble. Sometimes an insurance company will not realize who is the listed owner on the vehicle title, and they will allow the additional vehicle. But you are not safe. I handled a claim matching that scenario. After the accident, we found out the “named insured” did not own the vehicle (it was owned by his son), and so we RETRO-ACTIVELY VOIDED the policy, and REFUNDED the premium. We did NOT pay the claim.I mention this, because if you have your own auto insurance on your vehicle, then it becomes irrelevant whether or not you can still be listed as a driver on mom and dad’s auto insurance. It would not matter because you have your own auto insurance. The fact that you are asking this question raises serious RED FLAGS.===========Address Change Issue. It is not unusual for a young (college-aged) adult to live at home or temporarily live away from home. So this is not a huge issue. It sounds like it was not your intention to process an address change just yet. Okay, well, nothing is stopping you from submitting a new address change back to your parents’ home. And that applies to your vehicle title address. (It won’t change the coverage situation at all, but maybe if it doesn’t work out with your boyfriend going forward, you won’t have your renewal notice going to the wrong address.)


As long as your name is on the policy papers, you should be ok.



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