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Can my parent's drop me from their policy?

My parents want to drop me from their insurance because I have a speeding ticket on file, but it hasn't been put on the insurance yet. Can they still drop me? I got an attorney for my speeding ticket so that way it wouldn't go on my driving record and make the insurance go up, but I haven't gone to court for it yet. If they're thinking about removing me from their policy before my court date, can they do that? If so, is it going to show that I had the ticket if I get a new insurance policy on my own?

Feb 6, 2018 Frisco, TX

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Ava Lynch

Director of SEO

  • Licensed Insurance Agent (former) — Property and Casualty

Ava joined The Zebra as a writer and licensed insurance agent in 2016. She now works as a senior analyst, providing insights and data analysis as one…

Thanks for reaching out to The Zebra! There are a couple of things to think about here.

First, your parent's insurance won't be affected until the next renewal. That's usually when your insurance company will pull your Motor Vehicle Report (MVR) which will show your ticket.

Second, your parents can drop you from the policy if they're the named insured (i.e., the people who created the policy). It's important this doesn't happen because, at this point, you would be uninsured and have a lapse in your coverage which not only prohibits you from legally driving but hurts your chances of finding affordable insurance in the future. Insurance companies see speeding tickets and lapses of insurance as red flags and will charge accordingly for them. Your best bet is to reassure your parents that you'll have the ticket dismissed prior to the next renewal. If they still insist on dropping coverage, you will need to find additional insurance. You can compare rates from different companies even with a speeding ticket, so you should be able to find affordable coverage. And don't hesitate to reach out, our agents are always happy to help you get a personalized quote.

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