Quote:
Originally Posted by Skyman 08
It does not matter if you are on the same policy, if you are in the same household you are considered a driver of any car in that household, therefore if you child screws up several time (as mine did) you could be threatened with cancellation... I was... I got out of it becaues he was in the military and not really living at home, our address was just being used for his state of residence... So be sure before you get your own policy that you will be considered completely seperate from your parents....
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This may be true, but at least if I were in an accident they would not be suing my parents. That was their concern.
I can say from experience with MY insurance company that living with someone with a bad driving record will NOT affect my insurance in any way. My friend I live with was on my insurance originally (he bought a beat up car and we put it in my name) as a driver. When he got a few tickets and an accident I was informed by my insurance agency that he had to be removed from my policy and HAD to get his own insurance or I would be cancelled.
As long as he had his own insurance he could do whatever he wanted, it didn't affect mine in any way despite our living together.
He has since improved his driving and has his own policy with the same insurance company I do.