Somewhere among the top 5 questions we're asked is "Now that our daughter is away at college can we remove her from our auto policy?". Our typical answer is "no".
Whether or not your child is taking a car with them to college, they still may be a passenger, a bike rider, or a pedestrian and auto insurance policies actually provide the primary coverage for some of the kinds of accidents those activities sometimes bring.
And just as important, in many jurisdictions the courts have held parents responsible for college-attending children based on a variety of legal tests and standards. So if for some reason a college-attending child causes an accident, you might still be on the hook for the fallout of any negligence. So having the auto insurance to help pay for that is kind of imporant.
But as always, tell us what's going on and we'll talk to you about a solution that fits your unique circumstance. You worry about enough things with kids going off to college, don't let insuring them be another!
