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O'Donnell Agency LLC

416 Centennial Ave
Cranford, NJ 07016

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Insurance Blog

Can adult children remain on their parents auto policy

With more than 6 million licensed drivers, chances are you will have plenty of company on the roads in New Jersey. More drivers mean more risks and more chances of an accident. Making sure you have the coverage you need is vital to your financial security. Having an independent agent you trust makes all the difference. In New Jersey, O’Donnell Agency LLC has an experienced team who is here to help make sure you get the right policy at the best rate. Our agency is locally owned and operated, and we have the experience you need.

Families have changed a lot in recent times. In the past, most children were eager to get out of the parental home and launch their own lives. That was in the days when there was some possibility that an adult child would earn enough money to be able to afford a place of their own. As the price of apartments and homes has risen, it has become harder for adult children to afford a place of their own. 

Auto insurance is designed to cover the owners of a vehicle and others who live in their homes. One exception to this rule is college students. Most insurance companies will allow an adult child who lives on campus for most of the year to remain on their parent’s auto policy as long as their main permanent resident is still the family home. What has been happening increasingly is that once college is over, adult children move back home and stay there. This does allow them to remain on their parent’s auto insurance policy. But once the children have moved to another location and settled there, they need to get their own auto policy. 

Contact O’Donnell Agency LLC in New Jersey with any of your auto insurance questions or needs.

An Introduction to Auto Insurance

Every driver goes through the process of buying auto insurance. At New Jersey’s O’Donnell Agency LLC, we don’t want you to wonder what all the options to add coverage mean since most states only require bodily injury and liability. The main policy components include comprehensive, collision, liability, and bodily injury to obtain full coverage.

The liability portion of your auto policy protects the other drivers, as does the bodily injury coverage. Each state requires those two types of coverage, so any accident you cause, you can pay for the damage caused by your negligence.

Of course, your vehicle and perhaps yourself incurred damage in the accident, too. The state minimums don’t cover that. Collision and comprehensive cover the damage you incur on your own vehicle, while personal injury protection covers your medical costs and that of any passengers. Collision covers just what it sounds like. If you collide with any vehicle, you use your collision insurance to repair your vehicle if you caused the accident or collided with a stationary object. Fences don’t typically carry insurance policies.

Comprehensive covers the damage of other types of accidents that have no other vehicle involved. Weather damages autos frequently. Hail, flood, fire, etc. all cause damage covered under comprehensive. When you hit a deer with the auto, the deer probably had no insurance. Your insurance covers the damage. 

PIP pays your medical bills and those of your passengers. For any accident you caused, PIP pays the medical costs of those in your car. Auto insurance is simple. When they suggest collision and comprehensive, your agent wants to help you protect your vehicle and health.

Contact the O’Donnell Agency LLC, serving the state of New Jersey, to learn more about full coverage auto insurance. Let us help you protect your vehicle.

Servicing States

  • New Jersey
  • New York
  • Pennsylvania
  • Connecticut
  • Delaware
  • Maryland
  • Georgia
  • Michigan
  • Texas

Why Work With Us?

  • Locally owned and operated
  • Works with multiple carriers
  • Combines policies for best rates
  • Customer friendly services
  • Print out your auto ID cards from home, anytime!