Child support payments are designed to ensure both parents are financially contributing to their child’s expenses even after a separation or divorce. As children get older, their expenses start to change. Child support payments in New York generally do not explicitly cover car insurance for a teen driver. However, every family situation is unique so it is important that you work with an experienced attorney to explore all of your options. Reach out to a Suffolk County child support lawyer today for more information on your parental rights and responsibilities.
What is Covered By Child Support?
New York’s child support guidelines are intended to help cover basic necessities. The following expense categories are considered covered under court-ordered child support payments.
- Housing expenses
- Food
- Clothing
- Educational expenses
- Transportation
- Entertainment
- Unreimbursed health care
Child support payments are designed for a noncustodial parent to contribute to the basic needs of their child, but they do not include much else. Besides entertainment expenses like televisions, recreational sports, and extracurricular activities, child support generally includes only what the child needs to grow and develop.
Does Child Support Cover Car Insurance in NY?
No, like most states, New York does not include a teen’s car insurance as part of the child support obligation. Car insurance and vehicle-related expenses are not included in the basic living expenses and needs of the child and are therefore not covered.
Who is Responsible for the Child’s Car Insurance?
The answer to this question depends on the specific circumstances of the family. Some insurance policies require a new driver to be covered under all policies relevant to them. This means that if the child is going to be driving cars owned by both parents, both parents may have to include them on their own separate insurance policies.
Otherwise, it is largely up to the family. If one parent is purchasing the child a car, the cost of insurance will likely fall on them. Parents with an amicable relationship or who communicate well may come to a decision to split the cost of insurance.
Parents can also petition the court for a modification and request an add-on of car insurance or other vehicle expenses. Whether or not a judge will approve the changes depends on the specific details of the situation.
Should I Work With a Child Support Attorney?
If you are going through child support negotiations or are considering addressing an issue with the court, it is crucial that you first obtain skilled representation. The law can be complex, particularly concerning family and parenting issues. A child support lawyer will understand your rights and obligations as a parent, as well as help you prepare evidence and statements to negotiate or request modifications to your child support plan. Reach out to a skilled attorney at Peter V. Mandi & Associates, Inc. to set up your free consultation and begin discussing your situation today.
