Indiana Automobile Insurance
Reader’s Question:
My son will be studying abroad and will not be driving his vehicle for a year (his car is registered and insured under his name). Can he take off the insurance in his car in Bloomington, Indiana and place the insurance back when he returns?
Paul
Bloomington, IN
It will depend upon the state laws and where the vehicle is garaged if your son can take the car insurance off of the automobile. In many states if your vehicle is registered you need to have car insurance placed on it with at least the state’s minimum car insurance requirements. So your son may need to turn in his license plates and registration in order to take insurance off his vehicle so he will not be penalized by the state where he lives in.
In most states if you just remove the insurance on a car without turning in your license plates and registration this will be considered a lapse in your car insurance and may penalized such as registration and license suspension and fines.
It will likely increase your son’s car insurance rates when he comes back if he has a lapse on his car insurance for a year. Your son needs to talk to his car insurance company to know exactly how much his car insurance rates may rise from the lapse in car insurance policy.
Teenager Auto Insurance Indiana
Reader’s Question:
My sixteen year old daughter has a vehicle that is titled under my name and I would like to know if we can get the title and automobile insurance under her name. We live in Anderson, Indiana.
Robert
Anderson, IN
I did not find any information in Anderson, Indiana on minors not allowed to title, register and insure the vehicle under their name but generally a minor that is under the age of 18 must title and insure the vehicle with their parents or legal guardian with them. You may check if you can put the name of your daughter in the title as the secondary owner of the car and once she turns 18, you can transfer the full ownership to her.
As for the car insurance in Anderson IN, car insurance policy is a legal contract and most insurance carriers would require that teens under the age of eighteen have their parents of legal guardian sign the contract with them. As a parent, you will be held liable for your daughter’s negligent actions. Although your daughter may be able to register and get insurance under her name, you will be responsible for her until she turns 18.
Good Student Insurance Indiana
Reader’s Question:
I am a full time student in Fort Wayne, Indiana and I am just wondering if I can obtain good student discount?
Red
Fort Wayne, IN
Most Fort Wayne, Indiana insurance carriers offers good student discount depending on your GPA or grade point average. How ever it stil depends on individual insurance carrier’s rules and guidelines on what minimum GPA is needed for you to be able to avail of the good student discount.
Normally, this good student discount is applied to physical liability coverages of collision and comprehensive, bodily injury and property damage or medical payments as long as the student driver meets the qualifications the insurance company requires.
Many insurance carriers requires that a student is enrolled full time in high school, university or college and has a B average before the student can avail of the good student discount. You may also be required by some insurance carrier to submit a form to your school for them to be able to check your grades.
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