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Oregon Insurance Coverage for Students at College

Students at college or away from home for other schooling may still be covered on their parents insurance policy. That includes PIP which may cover the student's medical bills, but also liability which may cover the student for causing a wreck, and UM/UIM which may cover the student if they're injured by an uninsured, hit and run, or underinsured driver. Whether the student is covered will depend on factual issues surrounding whether the time away from home was a temporary departure from which the student might return or if it was part of a plan to move out and never return. Things like having a room at home, having things at home, using the parents' address as the home address will all point toward the student still being a resident of the household for the purpose of the insurance policy.