Question

Should I take my 23 yr old daughter off of my insurance? She recently was involved in an accident and has a DUI pending.

She allowed a friend to drive her car with her in it, and he hit a parked car after dozing off at the wheel. They got out and she got back in and moved the car to the side of the road as cars were coming. Witnesses had her driving and cops gave her the blame. She was given a DUI and has hired a lawyer to sort the mess out.

Meanwhile, her license will be suspended for 90 days and she has a claim out on her car and the one hit.

She does live at home but might be moving out soon.

I want to remove her from the insurance while her license is suspended. She does have three more payments on the car to pay it off and then I want her to find her own insurance.

Is that reasonable? Will she be able to find insurance?

Thank you.

Oct 1, 2019 San Diego, CA

Answer
Kristine Lee

Oct 1, 2019

Yes, it would be a good idea to remove your daughter from your insurance policy due to her recent DUI and suspended license — both of which would impact your insurance by way of a much higher premium. Find out just how much a DUI can impact your rates here.

Even with the citation and suspended license, she'll be able to find her own insurance — though that may be difficult. Her best bet would be to apply for a restricted license so she can drive to appointments, work, court, etc. 

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