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Children who are old enough to drive in Laurel, Maryland may not always drive in the state. While they might attend school in a different state, if they are driving your vehicle then they will need to be covered under your auto insurance policy.
Driving Across the Border
Although your children may attend school and drive your car in a different state, it does not mean that they can overlook auto coverage when they are operating a motor vehicle. If a teen or adult child is driving your vehicle, then it is a good idea to obtain an insurance policy that covers them, regardless of the differences between state laws and the location where they are driving.
Where They Live
Auto insurance is not based on where students attend school. It is based on where they live and their home address. As long as they are still living in your house, they will need coverage for any vehicle that they drive.
Their Vehicle
If your teen or adult child has his or her own vehicle, then you may not need coverage for them on your personal car. They will need to obtain an auto policy based on their own vehicle and driving record as long as they own the vehicle and are primarily driving the car that they own. If they do not drive your car, then you may not need coverage for them.
Finding the right policy to address your concerns can seem complicated, but there are options for families who have teen or adult children. Contact us to talk to an independent agent about your insurance options and specific details based on your situation.