Car Insurance Deductibles. Don't try to hide a teen driver from the insurance company in an effort to save money. One issue that is sometimes forgotten until long after the final divorce decree is handed down is how to handle the car insurance policy for the teenage child of divorced parents. Take advantage of car insurance discounts.
You improvise and, hopefully, compromise. Coming up with the money is typically the bigger issue, but at some point the parents have to decide whether their child should begin driving. Most major purchases are financed. Your back-handed compliments about your ex's new partner or new house are transparent to your children, and it's hurtful for them to hear mean things about their mom or dad. It's important to understand how these influence the proceedings and know ways to reduce the havoc they can cause. In particular, where your co-parent is willing to fully foot the cost, it's really not a financial issue. The other parent, more as a parenting matter, is not comfortable with that kind of purchase being made for the child and they want to restrict that. If you put both your location and your child's primary location on the application, this should clear everything up for your insurance company. Make sure that any cars you no longer own are removed from your insurance policy, and that the registration and title of the car are transferred to your former spouse. Who Covers the Child's Car Insurance Coverage? Related Reading: How Is A Business Divided During A Divorce?
Below, find the recommended steps to follow when separating your auto insurance policy. Don't play the role of "victim. " If you and your ex-spouse share joint custody, it is possible to arrange a 50-50 custody car insurance plan for your child. I looked toJerry, and they gave me a Progressive policy that saves me over $100 a month. Here are a few easy ways to save money on your teen driver's auto insurance rates.
However, if the child has to travel between homes frequently, the parents may require the purchase of a vehicle. "There's really no one answer, " says Lori Lustberg, a certified financial planner and certified divorce financial analyst in South Burlington, Vermont. When it comes to car insurance, you can remove your spouse from your policy even while you're separated and the divorce is not yet finalized, said Jill Roth, executive vice president of Virginia insurance company Ahart, Frinzi & Smith. This is why divorce is expensive!
Still, follow-through is another matter entirely. Do you really think it's in the best interests of the child to miss Mother's Day? You'll find the best car insurance rates by adding them to your plan rather than getting them a separate policy. The high cost of insuring a teenager will likely make 50-50 car insurance policies appealing for parents who share custody. In most cases, this precludes you from buying a car. I say that with the assumption that you have not had further court intervention around this subject. If you want to buy your child a car, buy the car. The custodial parent receiving child support may not be out of the picture due to the fact that these responsibilities cannot be carried off solely by the custodial parent. Alternatively, a separate policy can be purchased for the teen by either parent and the expense either added to child support computations or made the responsibility of the teenager. Rather, it would probably belong in the legal custody or the parenting decision making section for the child. However, these new provisions were not clear whether the cost of insurance, was an appropriate additional expense to guideline-level support. In case of an accident, you don't want to potentially be held liable.
If your teen driver has a car: Your teen will save money by getting coverage under a parent's car insurance plan rather than getting a separate policy. Our goal is to be an objective, third-party resource for everything auto insurance related. Just as it is with adults, driving is considered a privilege and no child is "entitled" to drive. If one parent decides that a midnight curfew is appropriate for a 15-year old, don't tell your child that it's an unreasonable time. Parenting is hard, no doubt about it. Lower that car insurance premium—turns out you had something in common after all!
Always keep in mind that until you are divorced, your finances are also your spouse's finances. This makes it harder for the parent who doesn't get the car, and it makes it frustrating for the teenager when they are with that parent. You must ensure that your child is properly covered. Auto insurance for teens after an accident is almost always expensive. If teenagers split time between divorced parents regularly, insurance providers recommend that the custodial parent should add the teen driver to their policy. That's why I'm doing this.
Require everyone—drivers and passengers — to wear seat belts. If your child has their own car, you may be able to cover them on just one policy. However, if that down payment originated from a separate source, the court may declare the item in question, and any future payments, belongs to the purchaser. Can I insure my car at a different address? You want to make sure that your co-parent is sharing the burden of those purchases with you in some way, however you are sharing the responsibility for other purchases or other expenses for the child, whether it's in proportion to your incomes or equally or in some other manner. It's best to have your ex refinance any loans and remove your name. Most insurance companies require married couples to share car insurance policies for all cars that are kept at the same residence.
Don't rescue your child from the other parent's house when he/she calls crying and begging that "Dad is making me do the dishes" or "Mom won't let me go to my friend's party. " Who insures a teenage driver after a divorce? Though her driving between each parent's home might be considered "purposeful" in the sense that she will have a clear destination, route, and arrival time, and thus might be considered less risky than a joy ride, will she be driving under stress? That's because teenage drivers pose a higher risk to insure. You can have a mediator or a judge detail exactly how you're going to divide your cash outlay on your kids for everything from their clothing to college, but what if your child one day wants to take up a musical instrument? Does your kid take their phone everywhere?
A big one is where the money came from. While parents usually give a lower-cost vehicle to their teenager for use, sometimes they purchase a very expensive one as a gift. In the alternative, even if one could technically interpret the Child Support Guideline-level support to include the insurance cost of a newly licensed driver, the same guidelines also allow Family Part courts to use their authority and discretion to deviate from the guidelines in an effort to come to a fair and just result. Learn about our editorial policies Updated on December 9, 2022 Reviewed by Somer G. Anderson Reviewed by Somer G. Anderson Somer G. Anderson is CPA, doctor of accounting, and an accounting and finance professor who has been working in the accounting and finance industries for more than 20 years. Getting a divorce is stressful for all parties involved.
Regardless of their relationship, it is critical to make sure they are on the same page when making future purchases. The other parent will still have to add their teen as an inactive driver to their policy if they have a car. Related Reading: Is Oregon a Community Property State?
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