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.
Parents are not eligible for USAA. I believe USAA eligibility flows "downstream" — so descendants, i.e.
If your parents are renters, they are not responsible for the property — just their own liability and possessions — so it's not required to have sinkhole insurance since that's property-related. The landlord has to maintain safe living conditions for their property.
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. Every company is different so I would check with your company for their specific rules.
Hello, If you live with your parents and drive their vehicle more than once a month, they will need to add you to their policy. If you do not live with them and/or you do not drive the vehicle more than once a month, you would be covered under what's known as permissive use (provided you have your parent's permission to drive their car). Good luck and if you have any further questions don't hesitate to ask.
Coverage & Claims
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.
Coverage & Claims
The claim can still show up on your insurance report but it would show that $0.00 was paid on the claim. Having said that, it can still impact your rate for up to five years.
Car Insurance Costs
The zip code where the vehicle is primarily kept is what needs to be used for insurance purposes. Depending on your age, company, and residential state, you may have been able to stay on your parent's policy, but since you now live off-campus you will have to use the address where you live.
While it's quite possible that the liability portion of your policy would provide sufficient coverage for damage you may cause in an accident, your parents may be subject to "vicarious liability" since they technically own the vehicle. This means that it is possible for them to be sued if you hurt someone else in a crash.
You would need to use the address of the apartment you are planning on renting. In the event of a claim, let's say a fire, your renters insurance provider will notice that the address listed on your claim doesn't match your policy paperwork.