Labor Day has come and gone, and the kids are all back at school. If you areold enough to have children in college and living away from home, you have by now hopefully recovered from the trauma inflicted by viewing the living conditions your precious offspring will be occupying for at least the next 10 months, and the inevitable—and very expensive—trips to Target, Walmart, Home Depot, Bed Bath and Beyond, and Costco, intended to improve those living conditions, if ever so slightly. Having managed to get through the long goodbyes, and feeling that poignant mixture of pride, vicarious excitement, anticipation, anxiety, melancholy, loneliness—and poverty—you get back into your car for the long ride home, and, of course, full of positive thoughts of the future, you immediately ask yourself the following critical question: Is “Junior” still covered as an “insured” under my automobile insurance policy while living at school?
Several recent decisions have addressed this issue, and we are pleased to report that this is one less thing that parents of college students, who do, indeed, have lots to be concerned with, need to be worried about.
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