Student Driver Insurance Pennsylvania PA

Reader’s Question:

My daughter is in college and is living 60 miles away from my home in Pennsylvania. She comes home only once a month. At home, she doesn’t drive my car. Is it true that I should have her insured at a same rate when she lives in PA with me?

Harry

Bethlehem, PA

Generally speaking, insurance company can include members of the households that operates an insured vehicle. This includes children that are student taking their college degree away from home since that is still their permanent address. This is
to cover the insurance provider’s exposure to events when an injury or damage to property occurs when, in this case your daughter who lives a miles away from your home, may drive your car if she is at home. Insurance companies normally do this since there is a high probability that your daughter will drive your car during her visit if she used to drive your car before she went to college. In this regard, your daughter
should be covered by your policy.

According to the Pennsylvania Insurance Department, the owner of the policy can exclude a household member from
the policy as long as that person can show a proof that he/she has the Assigned Risk Plan or car insurance with another insurance provider.You can ask your insurance company to exclude your daughter. Some companies do this even without the proof so you may also check with your agent if the company’s guidelines allow this.

Tags: auto insurance, Student car insurance, teen insurance, Young driver car insurance