college

Florida law states that if you are in the state for over six months of the year, you need to register and tag the vehicle there. To do so, you will require PIP (as Florida is a no-fault state) and liability insurance.

Since your son lives in his own home at college, you will not have to add them to your policy if they drive your car less than ten times per year, with most companies. Some insurance companies offer a discount if you add a college student who lives away from home and has limited access to the insured car and seldom drives it.

Thank you for this question. The Zebra does not do a soft or hard pull of your credit.

Put simply, if your son is on your insurance policy, you can be held liable for the damages he causes. You can put him on his own policy, but the rates will very likely be higher.

You are exactly right. Since you do not have any assets and you are not financing a vehicle, you only need liability coverage.

While it can vary by your insurer, I would recommend getting your daughters' their own policy and simply paying the bill. Because you own the vehicles, you should be added as the additional interest to the policy.

It depends. Obviously, you want to get the insurance in the state that the car is registered in.

You are definitely thinking this through correctly. It's funny because a lot of parents do not consider the risk.

If you're on your own policy without your parents, it's unlikely they would be sued if your coverage is exhausted after a car accident. Because you're considered an adult, regardless where you live, you would be sued if you were found liable - not them.

I am sorry for your loss. In terms of handling the auto insurance, every company handles this transitioning period differently.