Reader’s Question:

In the state of FL, is it mandatory or optional to include my 18 year old teenage daughter in my car insurance policy? She is going off to college in another state and will not be driving my car?

Oliver

Clearwater, FL

Florida insurance companies require you to list all household members with regular access to your cars for rating purposes. In fact, even at the time that your teenage daughter received her driver’s license, you need to inform your car insurance company of your daughter’s licensing. Whether your daughter needs to be included or not in your policy, it is up to the insurance company’s guidelines. Most often than not, car insurance companies will require a licensed child to be on the policy unless you chose to exclude her. Be aware that when you exclude a person from the policy, they would have no insurance coverage extended to them if they were to drive the car and be in an accident.

If your child is away from you and in your case, since she’s attending college in another state, many insurance carriers will work with you on your policy. Some insurance providers will give a reduced auto insurance rate if your child is living away at school which is over 100 miles away. You may need to shop around for another car insurance provider in Clearwater, FL if your insurance company is requiring you to have your daughter added to your policy even if she’s away.

Tags: auto insurance, car insurance rate, teen insurance, Young driver car insurance