Tag: auto

Many parents assume their auto insurance policy no longer applies to their child once the child turns 18 and leaves home for college or work. While this can be true in some cases, coverage may still apply when the child returns home and drives a family vehicle.

Understanding Permissive Use in Alabama

Alabama follows permissive use rules. This means that auto insurance coverage generally extends to anyone who drives your vehicle with your permission. For example, if your child returns home and borrows your car for a short trip, your policy through Surety Ins Inc., which serves Alabama residents, will typically provide coverage as long as they have your consent.

Resident Relative vs. Occasional Driver

Insurance companies distinguish between household members and occasional drivers. A resident relative is someone who lives in your home and regularly uses your vehicle. If your child no longer lives at home full-time, they are usually not considered a resident relative and do not need to be listed on your policy. Occasional visits and limited use of your vehicle generally fall under permissive use coverage.

When a Separate Policy Is Required

If your child owns a vehicle and carries their own insurance policy in Alabama, their policy will be the primary coverage when they are driving their own car. Your policy may only provide secondary coverage if they are driving your vehicle with permission or in certain specific situations.

Know Your Coverage Before a Claim

Understanding how your policy applies to family members can prevent confusion during a claim. For clarity on your specific coverage, contact an agent at Surety Ins Inc., which serves Alabama residents, to review your policy details and ensure you are properly protected.

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