Reader’s Question:

My teenage son, age 20, moved out of the house and to a different city in IOWA. Can my wife still carry his vehicle on our car insurance policy?

Edward

Cedar Rapids, IA

Insurance carriers’ guidelines in IOWA vary so to obtain a concrete answer to your inquiry you or your wife will need to contact your insurance company to find out if your 20 year old son can stay on your policy.

Generally, since he has moved out and is living in a different city in IOWA and therefore is garaging the vehicle at a different location it is doubtful that you will be able to continue your car insurance coverage on your son’s motor vehicle. Insurance providers typically do not insure cars that reside at a different household or for more than 1 household on 1 policy.

If the teen son is at college in a different city it may be thought of differently by the insurance provider and he may be permitted to stay on the policy depending upon the insurance company‘s guidelines.