In many situations, an adult child who is dependent on a parent for support, such as a college student, will be eligible to make claims under a parent's car insurance policy.
In Pennsylvania, car insurance policies are viewed as contracts and therefore, whether an adult child can make a claim under a specific car insurance policy will depend on how "household" is defined in the policy. Most Pennsylvania car insurance policies allow adult children who are dependent on the parent for support to be able to make claims under the parent's policy.
However, adult children who drive cars which are insured under a separate policy would be ineligible to make a claim under a parent's policy. For example, an adult child who has his or her own car insurance policy would not be able to make a claim for benefits under their parent's policy. Most car insurance policies contain an exclusion that prohibits doubling up benefits. Read more about a child's eligibility for benefits under a parent's car insurance policy in Pennsylvania.
If your child was injured in a car accident in Pennsylvania, feel free to speak to our experienced Pennsylvania car accident lawyers to discuss your child's accident and legal rights. Call 877.944.8396 for a free consultation.
**DISCLAIMER: This website does not provide any legal advice or create any attorney-client relationship. Each case is unique and requires review by a qualified attorney. Discussion of prior outcomes or results is no guarantee of the same or similar outcomes in current or future cases.