Son in Military Out of State, Does He Need His Own Policy?

My son is in the military stationed in MT and is driving a vehicle that is in both our names, he is on the loan also. My house is his home of record. Does he have to get auto insurance on his own or can he continue to be covered under my policy?

Your son does not need his own policy, as long as the insurance company knows the car is with him in MT. If the insurance company is not licensed to do business in that state, he might be forced into getting his own policy.

If he is stationed in MT temporarily for say, just a few months, you might not need to change his garage location on the policy. Military situations bring up many complications as far as residency. In most states, military personnel don?t even have to change drivers licenses because it is assumed they will only be in the state temporarily. If he knows he?ll be in MT a six months or more, there is a possibility that he would need to change policies, but it really depends on whether the company does business in that state or not.

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Source: http://www.autoinsuranceadvice.com/insurance-questions/2278/son-military-stationed-mt-driving-vehicle-names-loan-also-house/

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