Student Automobile Insurance Jackson Mississippi MS

Reader’s Question:

My daughter is 21 years old and is away at college. My current car insurance provider in Jackson, Mississippi gives better car insurance rates for students who are away from home. Will I be held liable if my daughter drives her friends vehicle and gets into a crash?

Sandra

Jackson, MS

Generally, as a parent you are liable if your child is away at college and drive her friend’s car. When a person drives someone else’s vehicle with permission, the car insurance of the owner will be used as the primary insurance and if the car owner’s insurance limits the driver’s insurance will kicks in.

Your son is no longer a minor and he would likely be held liable herself and not her parents if he gets into an accident but I still suggest that you speak with an attorney regarding your state laws about this and ask them what the liability of the you as a parents if your daughter is away at college and gets into an accident while driving somebody else’s vehicle. You may also verify with your car insurance company Jackson, Mississippi if your car insurance policy will cover your daughter while she is away at college and drives somebody else’s car.

 

Tags: auto insurance, Student car insurance

Young Driver Car Insurance Quote Jackson, Mississippi MS

Reader’s Question:

I am eighteen years old and I only have the learners permit in Jackson, Mississippi. I am wondering if it is possible to obtain car insurance at this time? Where do I begin?

Andrei

Jackson, MS

Yes, some insurance companies in Jackson, Mississippi may allow your to get car insurance policies with just a learner’s permit.

With some certain insurance providers, they will typically need a valid drivers license or be able to obtain one in a certain time period. The insurance provider will possible make you get a regular driver’s license within 30 days of your car insurance policy’s inception date, but it still depend on your age. In addition to that, if you only have the learners permit the insurance carrier may require you acquire the car insurance policy with a driver on it who has a full drivers license.

If your parents have a car insurance policy already, you should check if you can be placed to their car insurance policy for insurance coverage.

You may want to get a young driver car insurance quote in Jackson, Mississippi here to begin with so you may know how much you should be expecting on your car insurance premium and for you to be able to compare better deals with various insurance companies in Jackson, Mississippi.

 

Tags: auto insurance, car insurance quotes, teen insurance, Young driver car insurance

Teen Auto Insurance Meridian, Mississippi MS

Reader’s Question:

What constitutes a Principal or Primary Driver on a vehicle in Meridian, MS? Our son turned sixteen today and we added him to our insurance coverage on a car. He will be driving this car mostly, but my husband and I also drive the car and we own it.

Carl

Meridian, MS

Generally a principal or primary driver is the individual who drives the vehicle a majority of the time. So if your son is the person who will be doing most of the driving for that one particular car he will be determined to be the principal driver of it.

If someone drives the vehicle much more often than the insurance policy owner, he or she should be listed as the primary driver of the vehicle in Meridian, MS. The primary driver in large part determines the insurance premium rate, and providing false information can give the insurance carrier a reason for cancellation or denial of car insurance claim.

Insurance providers can vary on their definition for primary, secondary, principal or occasional driver though. Because to this, you will need to speak what a primary driver means to your specific insurance company.

 

Tags: auto insurance

Car Insurance Jackson Mississippi

Reader’s Question:

My 19 year old son lives in GA with her father and I have insurance in Mississippi. I wanted to buy my son a car for graduation and want to get him insurance. My insurance provider doesn’t offer it. How can I get insurance for my son?

Mark

Jackson, MS

 

If the car you will buy for your son will be titled and registered in his name only then with most insurance provider, he will be the only person who can get insurance on the car.

However if the car will be in your name and your son’s name, then an insurance provider in Georgia should be able to insure the vehicle for you and/or your son. You will probably not find a carrier domiciled in Mississippi that will be able to afford coverage for a car garaged in Georgia.

Since the vehicle is going to reside and be garaged in Georgia, regardless of whose name is on the title, it will need to be registered there. Car insurers must be licensed with the Georgia Insurance and Safety Fire Commissioner’s Office (ICO) to be able to issue Georgia auto insurance policies.

I recommend that it is easiest to help your son find insurance in Georgia and set up the policy in his name. Once the insurance policy is set up you could assist his with the payments.