During and after a divorce, you and your family go through a multitude of changes. As the rates of divorce continue to stay high, more and more families are forced to work through unclear guidelines and requirements when dealing with what were formerly simple issues. Divorced families can run into complicated questions in a variety of situations, such as when purchasing a car insurance plan.
Commonly, divorces occur before a child has reached the legal driving age. Once the kids gets their licenses, however, parents are left wondering about their car insurance options. If a new driver spends part of his time at his mother’s home and part of his time at his father’s, under whose insurance policy should he be covered?
The question of which auto insurance policy should cover a teenager of divorced parents is common among families, and is difficult to answer since different companies deal with the situation in different ways. Check with your particular insurance company for the specifics of your plan. However, most companies deal with the issue in one of three ways:
Divorced spouses may find themselves in further disagreement when discussing who should have to pay the extra costs associated with insuring a young, high-risk driver, but ultimately, the decision is up to your insurance company.