They say that most people never have the privilege of meeting their heroes, but parents of military members raise theirs. If your child has recently enlisted in the military, congratulations on a job well done in raising a fine individual who is willing to sacrifice so much to serve their country.
There is probably a wide range of questions and unknowns swirling around in your mind. One thing that should not be left out of the discussion is what to do about auto insurance. Here are a few important things to consider regarding auto insurance for newly enlisted military members.
Should you keep them on your insurance policy?
It goes without saying that your service member won't be driving for a while. However, there is always a risk of injury or failure while going through the initial training phases. With that said, it's a good idea to keep them on your insurance policy for the time being until they graduate from their training, just in case they get sent home for whatever reason.
You can continue keeping them covered on your insurance policy beyond their training if you would like, but there is no need for the additional expense. The only times they will drive one of your vehicles is when they are home on leave.
Ask your insurance company if you can insure your service member only for times when they are home on leave. To do this, you may need to provide the insurance company with a copy of your service members enlistment paperwork and orders when they are on leave.
Will a lapse in coverage affect your service member?
One thing that is important to understand when coverage is dropped for any individual is that it can affect their ability to obtain coverage later due to a lapse in insurance coverage. This all depends on the state where your family member will be stationed and if they choose to purchase a vehicle while there.
State laws vary when it comes to insuring military service members. The good news, however, is that service members are able to get insurance coverage through a provider that caters only to those in the military and veterans. They understand the issues of dropped coverage due to enlistments and deployments.
Consult with your auto insurance agent for more information on how you can protect your liability coverage and your service members ability to be covered while they are home on leave.