Can I have my own auto insurance and still be on my dad’s auto insurance?
Can I have my own auto insurance and still be on my dad’s auto insurance?
Of course you can. There are a number of ways this can happen:
• You could have your own automobile insurance policy on your own vehicle and be listed as a driver on your father’s automobile policy. If you reside in the same household as your father and have your own vehicle this is most definitely the case, as insurers insist on knowing all licensed drivers in a household and assume all licensed drivers will operate the vehicle to some extent. The same holds true with spouses… I am a listed driver on my wife’s policy and she on mine even though we both have our own vehicles.
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• If you are dependent on your father and reside in the same household you are likely an insured person on his policy based on the definitions contained in his policy whether you have your own automobile policy or not. Most automobile insurance policies define insured person as the owner of the vehicle, their spouse, any dependent children (or other persons sometimes) residing in the same residence, and any person with lawful possession of the vehicle. You having your own vehicle and your own automobile insurance policy doesn’t matter at all in terms of whether or not you fall under the definition of insured person on your father’s policy.
• You could have a “driver’s policy” and still be listed on your father’s “owner’s policy.” Most people who own vehicles have an owner’s policy which is meant to protect the owner of the vehicle from their liability and vicarious liability that they are exposed to due to the actions of persons they allow to operate the described vehicle. An owner’s policy essentially follows the vehicle, providing protection to whomever is operating the vehicle. In addition, many owner’s policies also insure the named insured while operating other vehicles too (but as an excess liability policy). Often owner’s policies will also include coverage for damage to the vehicle itself.
A “driver’s policy” is an automobile liability policy that protects the named insured while operating ANY vehicle. Driver’s policies are specific to the driver. If there is an owner’s policy in place for the vehicle that the person insured under a driver’s policy is operating then the driver’s policy acts as excess insurance.
If you had a driver’s policy and were operating your father’s vehicle then you would be insured under your father’s policy as a person in lawful possession of the vehicle and insured under your own driver’s policy (although your policy would only start paying any damages once the limits of your father’s policy were exceeded).
The above are the most common ways that you could be listed on your father’s insurance and have your own automobile insurance as well.
