You’re wrong, twoanddone; I got insurance for my kids when they went away to school. In fact, I have no idea what you are talking about; as my insurance covers my car and me for any car I drive.
As a legal matter, both the owner of the car and the driver have potential liability in the even of an accident. For someone just starting out a career, it makes sense to be fully covered(and no, I don’t sell insurance).
And regarding where the license is: if she’s working in NY for the next four years, it’s pretty clear she’s a NY resident and will pay taxes there. Each state has its own rules, but why take the risk that CA, by keeping a DL there, decides she’s a resident of that state, too? Get the NY DL.
@WayOutWestMom What I meant and what I wrote in my previous post is different. Thanks to you and others for many posts and addressed many subtle issues.
What I meant was my D has a valid CA drivers license. But does not have car insurance and does not plan to have a car during her MD. But once in a while if she has to rent a car or use zip car, she can get insurance and drive when needed. For that CA license should be sufficient.
Good to note that once residency starts, it changes the equation from MD. At that time it is better to get that state DL.
Another thought…where will she vote? She will need a drivers license in that state most likely to register.
If she is registered in CA keep in mind that voter registration and DL records are used to call up jury duty. What will you do if that happens? Say she lives in another state?
I did look up CA voter’s registration before you ask actually. There are selections that you can be out of state temporarily. You do not have to give a CA DL, but you need to have a CA address. That means we have to forward her ballet to cast an absentee vote. Its doable.
Regarding jury duty, she got several while she was in Chicago. All you have to do is to say you won’t be in state, that is a valid excuse, especially when you check the option “Out of State temporarily”.
Also, if any of your D’s clinical rotations at done a VA hospital or clinic, she may need a REAL ID complaint DL or state issued ID card to get access to the facility. Getting cleared to do a rotation at the VA requires one to jump through a whole lotta hoops–including being fingerprinted, drug tested, passing a FBI background check (which is significantly more involved that the background check med students typically undergo) and, for males, proof of selective service registration.
I agree with @thumper1. She’s a NY resident. She’ll have to file NY taxes. She’s not a dependent anymore.
There are a lot of people who do not get new driver licenses when they move to another state. Most of the time there is no consequence even if they have a car. They often do not change the registration of their cars either. But the proper procedures are laid out. It’s up to your daughter what she ends up doing. I’m certainly not going to advise her, you or anyone to do something against such procedures that are clearly there.
@artloversplus when she was an undergrad, you could say she was OOS while in college and get jury duty deferred. BUT…she is not an undergrad any longer. She is a newly minted doctor, and is a resident of NY, not CA.
Your daughter is not OOS temporarily. She has a job OOS, and an apartment, and will be paying taxes in that state.
She isn’t your undergrad dependent any longer. She doesn’t live in CA.
Do what you want…but the reality is…she is no longer a resident of your state. Related…she should be counted on the NY census, not your CA one.
If she graduated from college and lives and works in NY she’s a NYS resident. I don’t think the question is about what’s convenient for her but what’s required by NYS laws. I wouldn’t drive without a valid license in NYS. I don’t think she’ll be able to rent a car here without it. If she borrows a friend’s car and has an accident but doesn’t have a valid license she could face charges. Would that hurt her chances of getting a job after her residency is over? That seems like an awful lot of risk to avoid taking a simple test or waiting in line.
The REAL ID is also good for things like entry to a federal building or military base. (Think about getting an emergency replacement for a lost passport- you usually have to do it at a federal building.) Unless she wants to carry her passport on a regular basis (something I don’t recommend) it’s best to get the REAL ID now before the October 2020 rush. It’s a pain to get but once you do it your license automatically renews as a REAL ID.
She won’t need to take a driving test to get a NY license if she’s licensed in CA. She will just need to pass a vision test, provide proof of identity, and surrender her old license or report it as lost. That can be done as a walk-in. https://dmv.ny.gov/driver-license/exchange-out-state-driver-license
{quote]including being fingerprinted, drug tested, passing a FBI background check
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It is incredible how many fingerprint and drug tests DD has done, each and every site during residency, and many places seemed to be multiple times. You’d think there would be a way to streamline it.
Residency = a job, location = your new domicile. DD did not change her details for fellowship, it was one year and definitely temporary, but 3+ years for residency, that would be unjustifiable in any situation I can imagine.
And what do they base the premiums on if not associated with a car? You bought a stand alone policy for your kids, not associated with your car or your insurance? My premiums are based on my car, my driving record, and the coverages I select. It covers the car and is the secondary insurance for liability only if I drive another car. My kids are (were) listed as secondary drivers on my car policy when they were away at school even though they never drove my car.
I can’t believe you brought this up again, but here goes: insurance belongs to the person purchasing it. The key word in your entire puzzling response is “my”-your policy is set on you-your driving record, your age, your gender, the car you are driving-it’s all about you. Why do you think you are covered in a rental car? You don’t own that car-but most personal auto insurance policies will cover you for up to 30 days, and some credit cards will cover you, too. And yes, if you borrow a car and get into an accident, both you and the car’s owner will be subject to a law suit-the owner b/c he owns it, and you b/c you were driving it.
And yes, I bought my college kids auto insurance, in case they needed to get a rental car. The policy belonged to them, and covered them up to policy limits as prescribed.
Seriously, do you believe your homeowner’s insurance belongs to your home? I suggest you brush up on auto insurance, as you have a fundamental misunderstanding about what it is and what it’s for.