Young Drivers and Car Ownership: What You Need to Know


"My child bought their own car and now it's titled in their name. How does that affect my coverage?"

Ownership is one of the most important factors in determining whether there is coverage for a vehicle under a personal auto policy. Only vehicles that are titled or co-titled personally in the policyholder's name or to a resident spouse are eligible for coverage.

In this hypothetical situation, your child's car no longer has coverage under your policy. The same goes for a vehicle titled to any relative, significant other, or business. Since the vehicle isn't owned by the named policyholder, there is no insurable interest.

If you have any questions or concerns regarding the titling or coverage of your vehicle(s), please contact your Independent Insurance Agent.


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