Question
Can my son borrow my vehicle to use on the weekends
My child is no longer in school moved to own apartment in NYC with lease - Can he borrow our car to take a weekend trip if we took him off insurance? He no longer uses the car except except once in a great while (i.e. maybe 1-2x per year for 1-3 days
Answer
Ava joined The Zebra in 2016 as a licensed insurance agent and writer. She now serves as director of insurance content, leading coverage strategy and…
Credentials
- 9+ years of Experience in the Insurance Industry
New York parents may allow an adult child removed from their car insurance to borrow their vehicle under permissive use coverage.
This can be tricky. Since he doesn't live in your residence full-time, he no longer needs to be listed on the policy. But, his ability to use your car will depend on the specific conditions of your car insurance policy. Namely, do you have what's called permissive user. Permissive use or user refers to someone who can drive your car with your permission. The stipulations for this are the individual cannot live in the address listed on the policy, use the vehicle more than 12 times a policy period, or be an excluded driver. So, to sum up, I would confirm the following: This should help alleviate any confusion you have regarding whether or not your son can borrow the vehicle without needing to be added to the policy. If, however, you do need to add your son to the policy, you can add and remove him for the time needs to use the vehicle.
- See if your policy has a permissive user clause
- Confirm the number of times an unlisted driver can use the vehicle
- Confirm your son is not an excluded driver
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