1. 2210 POINTS
    Brenda Hanson
    Vice President/Agent, Best Rates Insurance Inc, Kalispell Montana
    Depending on your state laws but in Montana as longs as you are living in the same household you need to be listed on the policy as a driver. When a policy gets issued most carriers the applications clearly states have you listed all drivers in the household or child who has regular access to the auto listed on the policy.  The other oprion would be you be excluded from your parents policy but then if you do happen to drive their auto there is no coverage .
    Answered on June 21, 2013
  2. 16470 POINTS
    David Osgood
    Agent, Rural Mutual Insurance Co., Union Grove, WI
    Based on my education and experience within the industry so far, as long as a child resides at the same address as their parents the child typically can be part of the same auto insurance policy that the parents have. In fact any blood relative living in the same household can typically be part of the same auto policy with almost all carriers.
    Answered on October 29, 2013
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