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While there are obvious exposures when a child takes a car to college, there can be a dangerous coverage gap for students who don't have a car at college.It goes without saying that just because a kid does not take a car with them to college does not mean they won’t be driving or occupying a car. Whether they borrow a friend’s car or just ride around as a passenger, coverage for the student on the family auto insurance policy depends once again on that pesky issue of “residency.” As mentioned above, that issue is a legal one and could be a problem for older students who don’t intend to return to the family home. In that case, the student may need an auto policy in his or her own name covering just the exposures related to driving or riding in someone else’s car – a so-called Named Non-Owner Auto Policy.
If the student takes a family car to college, the primary issue to discuss with your agent is how the auto will be rated. Will the auto be rated in the territory where the college town in located (could be higher or lower than the home territory? Does the student qualify for a Good Student or Driver Training Discount?
