When my child moves out can I still keep them on my auto insurance?

Parents want to help their children as much as they can. Getting your own auto insurance policy, especially if you are younger can be very expensive.  Keeping your child on your auto insurance policy once they move out makes good financial sense but does it make good legal sense?  This is the sort of question that many parents in Myrtle Beach, SC are facing. The knowledgable staff at Benefit Insurance Services are the people to help you with this thorny issue. 

Moving out

Much can be made of the phrase moving out. If your child moves out to go away to school, this is one issue. If they move out into an apartment on their own or with a group of friends, this is another issue. The answer for the first scenario is quite simply yes, the permanent address is still the same as yours and as long as it is still legitimately their home, they can remain on your policy. If however, they have completely moved out, you get into a much more gray area. If you are still the owner of the vehicle that they are driving, then they are covered as "any driver" of a covered vehicle. But if you conceal the change of address from your insurance company, you can be guilty of fraud and not only can they deny coverage in the event of an accident, they may choose to cancel the entire policy. 

The most direct answer is if the move is not permanent, then yes but it is risky to try to retain the coverage if they have moved away for good. 

Your situation may be different and talking to the helpful staff at Benefit Insurance Services in Myrtle Beach, SC can help you to make the correct decision. Give their office a call or stop to make sure you don’t put yourself or your child at risk.