Car Insurance for Students Away in College
Reader’s Question:
My daughter is 19 years old and is away at college. My insurance carrier in Anderson, Indiana gives better rates for students who are only at home a few weeks a year. What will be my liability if she drives a friends vehicle while away at college and gets into an accident?
James
Anderson, IN
State liability laws vary so it will depend upon those laws as to what your liability as a parent will be when your child is away at college drives someone else’s vehicle. When driving someone’s vehicle, with permission, the car’s insurance by the owner is primary and if that exceeds the owner’s policy limits the driver’s insurance would be the secondary.
Since your daughter is no longer a minor if she was in an accident that required insurance she would likely be held liable herself and not her parents but since state laws do differ I would suggest speaking with an attorney to check exactly what your parental liability might be in this case. You may also want to talk to your insurance broker in Anderson, Indiana to check if your current car insurance would cover your daughter at all, as secondary insurance, if she drives their car while away at college.
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