Is My Child Covered By My Auto Insurance?

  1. 37376 POINTS
    David G. Pipes, CLU®, RICP®
    Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
    Auto insurance follows the car not the driver or occupant.  If your child is unlicensed and operating the car, the provisions of the policy would remain in effect.  If your child is an occupant in the car and is hurt in an accident for which the driver of your car is at fault, there can be limited coverage for his medical care.  If the driver of the other car is determined to be at fault your child’s medical cost will ultimately be paid by the other driver.  If your child is struck by a motor vehicle while a pedestrian there can be limited medical coverage.
    Answered on March 11, 2014
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