* Where the car is primarily kept: If the car remains primarily in your state of residence, you likely don't need to change your policy. Most insurers consider the car's primary location when determining coverage. However, you should inform your insurer of the change of address to ensure accurate information on file.
* Where your child primarily resides: If your child moves to a different state and the car moves with them, and the car is predominantly used and parked in that new state, you will likely need to update your insurance policy to reflect the new state. Your current insurer may not cover accidents or damages that occur in a different state.
* Your insurance company's policies: Each insurance company has its own rules. Some may be more flexible than others. It's essential to contact your insurance provider and explain the situation. They can advise you on the necessary changes to your policy.
* Your child's residency status: If your child is considered an independent resident, they may need to obtain their own insurance policy, even if the car remains in your name.
In short: You should always contact your insurance company to discuss the change in your child's residence and the location of the vehicle. Failing to do so could leave you with inadequate coverage and potentially significant liability if an accident occurs.
