Like most other states, Michigan has requirements that all drivers must adhere to when it comes to auto insurance. You must have liability coverage and you can opt for complete coverage with collision and comprehensive. At U.P. Insurance Agency Inc. in Negaunee, MI, our team works with customers to personalize their coverage to their particular needs. Different carriers offer different options and not every policy works for every person.
Can adult children stay on their parents’ auto policy?
Auto insurance is designed to cover all the members of the family who reside in one home. That can be a multi-generational family. So, if grandma lives with you, she can be on your family policy and if the kids live at home, they can be on the family policy. But what about adult children? This can be more difficult.
If you have college-age children who are away at school, can they stay on the family policy while they are away at school? For the most part, yes, as long as they don’t make a permanent change to their address and they return home during the off-season. They should also be using what is considered a family vehicle. But not every carrier feels the same about this, so be sure to make sure your carrier is on board and, if not, consider finding one who is.
What about after your children finish college? Can they stay on the family policy? Yes, if they have moved back into the family home and can still be considered a dependent. If they live in a family-owned home other than the main home that also works. They need to drive a family car, however. Check with your carrier to see what age they consider children no longer dependents.
Contact U.P. Insurance Agency Inc. in Negaunee, MI with any auto insurance questions you may have.
