{"id":1527,"date":"2020-01-29T08:49:00","date_gmt":"2020-01-29T14:49:00","guid":{"rendered":"https:\/\/www.insuringky.com\/blog\/?p=1527"},"modified":"2020-06-08T16:24:42","modified_gmt":"2020-06-08T22:24:42","slug":"exchange-students-automobile-coverage","status":"publish","type":"post","link":"https:\/\/www.insuringky.com\/blog\/exchange-students-automobile-coverage\/","title":{"rendered":"Exchange Students \u2013 Automobile Coverage"},"content":{"rendered":"\n
\"People
Exchange Students may impact your insurance<\/a><\/figcaption><\/figure><\/div>\n\n\n\n

This\narticle briefly discusses how a personal auto policy responds to exchange students.\nPlease be sure to read its companion article, “Exchange Students \u2013\nHomeowners Coverage.”<\/p>\n\n\n\n

First,\nmake sure that the exchange student is permitted to drive under the rules of\nthe exchange student program. If program rules allow driving, contact your\nmotor vehicle department to make sure that your student has a valid driver\u2019s\nlicense.<\/p>\n\n\n\n

\"If
Will the exchange student drive your car?<\/figcaption><\/figure><\/div>\n\n\n\n

The typical auto policy extends its coverage to any person having your permission to drive a covered vehicle. Your liability coverage will protect the exchange student against damage or injury that he or she causes to others. Coverage to the damage done to your vehicle is also available when you have the appropriate physical damage insurance. Of course, the coverage is subject to your policy\u2019s insurance limits, deductibles, and other provisions.<\/p>\n\n\n\n

Medical\npayments coverage will apply to the exchange student who is injured in an\naccident while occupying or driving your car with your permission. If you\nexpressly forbid the exchange student to drive your vehicle and the student\ndisregards your wishes, you may not have insurance coverage if an accident\noccurs. Any questions regarding an exchange student\u2019s vehicle use need to be\ncarefully considered; especially since you will want to avoid having to deal\nwith uncovered auto losses.<\/p>\n\n\n\n

Be very\ncareful regarding any minor-aged exchange student who is considering buying a\ncar, truck, motorcycle, RV, boat, moped, scooter or any other vehicle. An\nexchange student\u2019s temporary residence status makes it very difficult to get\nproper coverage. Student vehicle owners who cause an accident could experience\nsome complex legal problems. If faced with an exchange student who owns a\nvehicle, it is important to get any available assistance from the exchange\nstudent program, including their legal counsel. You should seek your own\nqualified legal help to make sure that your interests are protected. The safest\ncourse would be to avoid an exchange student situation that includes an owned\nvehicle.<\/p>\n\n\n\n

\"It
Follow this link for more insights into how exchange students may impact your insurance<\/a><\/figcaption><\/figure><\/div>\n\n\n\n

Please check with a qualified insurance professional to thoroughly discuss your coverage needs.<\/p>\n\n\n\n

\n\n\n\n

COPYRIGHT: Insurance Publishing Plus, Inc. 2017<\/p>\n\n\n\n

All rights reserved. Production or distribution, whether in whole\nor in part, in any form of media or language; and no matter what country, state\nor territory, is expressly forbidden without written consent of Insurance\nPublishing Plus, Inc.<\/p>\n","protected":false},"excerpt":{"rendered":"

This article briefly discusses how a personal auto policy responds to exchange students. Please be sure to read its companion article, “Exchange Students \u2013 Homeowners Coverage.” First, make sure that the exchange student is permitted to drive under the rules of the exchange student program. If program rules allow driving, contact your motor vehicle department […]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2,69],"tags":[2023,2024,2027,2028,2025,2026,2041,2029,2031,2022,2042,2030,2037,2032,2013,2014,2016,2017,2019,2021,2015,2018,2020,2044,2039,2035,1934,2040,2034,1935,27,2043,2038,2033,341,2036,1936],"class_list":["post-1527","post","type-post","status-publish","format-standard","hentry","category-auto-insurance","category-unmanned-aircraft","tag-are-exchange-students-covered-by-my-auto-insurance","tag-are-exchange-students-covered-by-my-car-insurance","tag-are-exchange-students-covered-by-my-ga-auto-insurance","tag-are-exchange-students-covered-by-my-ga-car-insurance","tag-are-exchange-students-covered-by-my-ky-auto-insurance","tag-are-exchange-students-covered-by-my-ky-car-insurance","tag-auto-insurance-for-foreign-exchange-student","tag-auto-insurance-for-international-students","tag-can-a-foreign-exchange-student-get-a-licents","tag-can-exchange-student-drive-my-car","tag-car-insurance-for-foreign-exchange-student","tag-car-insurance-for-international-students","tag-drivers-license-for-foreign-exchange-stucent","tag-drivers-license-for-international-student","tag-exchange-student","tag-exchange-students","tag-exchange-students-impact-auto-insuranc","tag-exchange-students-impact-car-insurance","tag-exchange-students-impact-ga-auto-insurance","tag-exchange-students-impact-ga-car-insurance","tag-exchange-students-impact-insurance","tag-exchange-students-impact-ky-auto-insurance","tag-exchange-students-impact-ky-car-insurance","tag-ga-auto-insurance-for-foreign-exchange-student","tag-ga-drivers-licence-for-foreign-exchange-student","tag-ga-drivers-license-for-international-student","tag-ga-insurance","tag-in-drivers-license-for-foreign-exchange-strucent","tag-in-drivers-license-for-international-student","tag-in-insurance","tag-insurance","tag-ky-auto-insurance-for-foreign-exchange-student","tag-ky-drivers-license-for-foreign-exchange-student","tag-ky-drivers-license-for-international-student","tag-ky-insurance","tag-sc-drivers-license-for-international-student","tag-sc-insurance"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t