At Fault Accident Child on Policy
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Anonymous
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My child home for summer just had an at fault accident in my car. She is on policy.
However, she graduated college this Spring and is moving out of state in a few weeks for her new job and has an apartment lease already signed in the other state around 400 miles away. I will be removing her my policy in a few weeks. Will my insurance still shoot up? My wife and I have perfect driving records and she won’t be on the policy. |
Anonymous
| It shouldn't if she is no longer a member of your household. If it does, shop around |
Anonymous
| Yes it will. |
Anonymous
That stinks. She is 400 miles away and I get stuck with bill. |
Anonymous
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Your rate may go up while the child is on your policy but would drop when she is taken off. You are not liable/charged for the history of people not on your policy.
Also, you may have accident forgiveness if you and your spouse have a good driving record. Our policy never increased when our daughter had an at fault accident. |
Anonymous
That's what children do, OP. It's great you're only now noticing this 
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Anonymous
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OP it was an accident shit happens.
No your insurance is not going up. You will remove her when she moves. Hopefully, she gets her own policy then. |
Anonymous
| Hopefully you have an umbrella policy in case you get sued. |
Anonymous
| Remove her now. She can get her own policy that much sooner. |
Anonymous
| I’m glad she is Ok |
Anonymous
OP I can’t remove her as still driving my other car. Plus my policy renews 9-15 so rate hike will happen then, she is moving out Labor Day weekend. What sucks is I am adding another kid driver to policy soon. My other kid not on policy, but will be taking my car to college. She needs a car junior year as off campus. Then I got a third kid coming in in two more years! I hope the older one accident does not haunt me. The oldest kid does not own a car and has no plans to buy one, moving to NYC with her college roommate and new job is in NYC. I doubt she will buy a car for years. I am the one with the bill |