If the car is owned and insured by a parent does the adult child need to get insurance if they no longer live at home.

If an adult child no longer lives at home but drives a car that is owned and insured by their parent, they may or may not need to get their own insurance policy, depending on several factors. Firstly, it's important to note that car insurance laws vary by state, so it's essential to understand the specific requirements in the state where the car is registered and driven. However, some general principles apply in most cases. If the adult child is listed as a driver on the parent's insurance policy, they are generally covered while driving the vehicle. However, if the child has moved out and has their residence, they may need to be listed as an additional driver on the policy or be added to a new policy if they want coverage while driving the car. If the adult child is not listed as a driver on the parent's policy, they may not be covered under the insurance when they drive the car. In this case, they would need to obtain their own insurance policy to be adequately covered. Additionally, the adult child may need to obtain their insurance policy if they own or regularly drive a car that is not covered by their parent's insurance policy. It's important to keep in mind that insurance coverage can be complicated, and it's always best to consult with an insurance agent or company directly to understand the specific requirements and options available in your situation.