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Youngest has been living in LA for 7 years and had her car and insurance out there,clean record.Moving home back to Maryland.Sold the car in LA and cancelled her insurance but her license is still good and will save up and buy a new car in October or November.Do I need to put he.r on my insurance ,she has 30 days to change her license to Maryland one,What should I do?Record is clean ,no tickets. Thanks for any help
Is she going to be driving one of your cars? Even if she isn't, your insurance company will probably want to know about another licensed driver living in the household.
It might also benefit her to get a "none owned" policy, that way she doesn't have a drop in coverage.
I assume you are talking about a non-owned policy? Its basically just what it sounds like. It provides insurance to some one who dose not own a vehicle, it would cover them in what ever vehicle they happen to be driving. They they are driving your vehicle, your policy would still be primary, and theirs would be secondary.
If you have a lapse in your insurance coverage, when you go to get insurance again, it is possible that the insurance company could consider you "high risk". A non owned policy would prevent that.
If you have a license, you have to have insurance. It's the law. She shouldn't have canceled her policy! It's now going to show lapse in your coverage and will now cost more. Never cancel a policy until you have another!
If you have a license, you have to have insurance. It's the law.
No, it's not.
Mandatory liability insurance laws require you to have insurance if you own and/or operate a motor vehicle.
You can have a driver license without owning a vehicle and, therefor, not need insurance.
You can even own a vehicle, store it in your back yard, without registering it and still not have to have insurance.
Quote:
Originally Posted by CGab
She shouldn't have canceled her policy! It's now going to show lapse in your coverage and will now cost more.
That's also not necessarily true. Selling a car and cancelling a policy is not a "lapse" although somebody doing that and applying for insurance many months later is likely to pay more, but the daughter in the case at hand is not likely to be adversely affected by the short time between cancelling her policy going on to her mother's policy right away.
Quote:
Originally Posted by CGab
Never cancel a policy until you have another!
That's true in many circumstances but not necessarily in this one.
Mandatory liability insurance laws require you to have insurance if you own and/or operate a motor vehicle.
You can have a driver license without owning a vehicle and, therefor, not need insurance.
You can even own a vehicle, store it in your back yard, without registering it and still not have to have insurance.
That's also not necessarily true. Selling a car and cancelling a policy is not a "lapse" although somebody doing that and applying for insurance many months later is likely to pay more, but the daughter in the case at hand is not likely to be adversely affected by the short time between cancelling her policy going on to her mother's policy right away.
That's true in many circumstances but not necessarily in this one.
Maybe in the state you're in, but not everywhere. It would be a lapse in coverage in most states if she doesn't get a non-owners policy.
Youngest has been living in LA for 7 years and had her car and insurance out there,clean record.Moving home back to Maryland.Sold the car in LA and cancelled her insurance but her license is still good and will save up and buy a new car in October or November.Do I need to put he.r on my insurance ,she has 30 days to change her license to Maryland one,What should I do?Record is clean ,no tickets. Thanks for any help
Having experienced an accident where the other driver was at fault but they were insured on their parents policy, the parent's is liable.
As an example only: If the adult child had their own policy with X limits and there parents had higher limits on their policy, only the policy with the lower X limits would be subject to an insurance claim.
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