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Question
Hi - I live in Iowa. My 42 year old son does not live with me and lives in another town. Currently I have a 1999 Jeep he has with him. I have State Farm Insurance. State Farm does not cover him since he does not live with me. I pay $195/6 months for full coverage. I am not sure how to make sure I am covered if he has an accident!! If he takes out his own insurance policy does that mean I would be covered if he has an accident?? Any info is appreciated!
Hello Claudia,
If he has the vehicle, and he is 42, he needs to put insurance on the car. He is not a family member (I know, he is your son, but most auto policies defined a family member as a person living with you or a child in college). Right now, you are paying for an exclusion.
Have him get his own policy so he is covered.
Good Luck
http://www.auto-insurance-claim-advice.com/
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Answers by Expert:
Anne
Expertise
Auto insurance claims regarding vehicle accidents, insurance coverages, auto policies, bodily injury claims, pain and suffering, injury settlements and negotiations.
Experience
I am an adjuster for injury claims and property damage claims for over 5 years (still working there). I have worked for personal injury attorneys helping consumers get a fair treatment and I am passionate to help others with their vehicle accidents.
Education/Credentials
B.A. Economics/ Political Science
Awards and Honors
I was the top settling claims adjuster at the Insurance Company that I worked for.
I am the co writer of http://www.auto-insurance-claim-advice.com a website dedicated to help consumers document their auto claims and navigate the complex claim process.
Past/Present Clients
I work with injury lawyers working on high dollar settlements and jury awards for pain and suffering see: Spokane Law Office.
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