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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Nov 13, 2014

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Insurance Question from Corning, NY

Asked on 11/13/2014

insurance coverage is my child covered under our policy and if so, what age will the coverage end?

Answer given on November 19, 2014

If you have a child in the household who has a valid driver’s license, they will be covered under your insurance. You do need to call your insurance agent or company and add them to your policy as a driver. Depending upon the driving experience, your insurance costs will increase. You can receive discounts for them too such as driver’s education training, good student discount (if they are in school) and there are other possible discounts.If your child only has a permit for driving, they do not need to be added to your policy until they receive their actual driver’s license. If your child is an adult and/or does not live in the home, they do not need to be added to your policy unless they are the primary driver of the vehicle. If they occasionally use the car, they would be covered as a permissive user. If they have their own insurance on another car they also do not need to be added to your policy.

IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and AS IS. It has not necessarily been reviewed by the management staff of nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on to represent you.

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