If you are an adult who lives with your parents or frequently allows a parent to use your car, it may be a good idea to add a parent to your auto insurance policy. In fact, people often add family members to their auto insurance policies, and there are many good reasons for this.

NY Twin Bridges Insurance Agency understands that you want to protect your property as well as your loved ones. Here’s what you need to know about adding your parents to your insurance policy in Albany, NY.

Protect Yourself Legally

As much as you might worry about covering the costs of a car if your parent gets into a car accident, you should also understand that you could still have liability for injuries and property damage caused by others. For example, you could be sued as the owner of a vehicle if you don’t have insurance to cover the injuries your parent caused.

Consider Your Parent’s Driving Habits

If your parent has a history of being involved in certain types of accidents, take this into account when you choose an insurance policy you want to add them to. For instance, you might want to add comprehensive insurance if you know that your parent often parks near a shopping art coral, potentially putting your vehicle at higher risk of dings.

Speak With an Insurance Agent

Before you make any decision about adding a family member to your insurance policy, you should speak with an insurance professional. NY Twin Bridges Insurance Agency provides auto insurance for many Albany, NY residents. If you want to discuss putting a family member on your auto policy, our team can help you discuss the choice.

Albany, NY residents can count on the team at NY Twin Bridges Insurance Agency for all of their insurance needs. Did you know that changes in your driving habits can change your policy needs? If it’s been a while since you last reviewed your coverage, give us a call today.

Your auto protection needs to change when your life does

Many insurance policies are structured around your driving habits. For example, if your commute is 25 miles each way, you will have a different policy than someone who drives over 150 miles each day to their office. The distance and number of miles that you drive each year can have a significant impact on your policy.

The same holds true if you now have more people, or fewer, using the vehicle. Be sure that if your teenager is now using your car, they are named on the policy. Because of these reasons and more, we recommend that, rather than simply renewing your policy, you take a closer look. Auto policies should be an accurate reflection of who is using the vehicle and how. Don’t let changes make your policy less effective. Keeping your policy up to date can help you stay protected, no matter how your life changes!

Need to update your auto policy? Give us a call today!

NY Twin Bridges Insurance Agency wants to ensure that our clients in the greater Albany, NY have the protection they need. If it’s been a while since you’ve taken a close look at your auto policy, call or stop by our office today!