Do I have to insure my 19 year old son, if he doesn't drive my wife's vehicle or my own?

Answer 1

Take it from me, a licensed insurance agent:

If your son is of legal driving age, and resides in the household where the vehicles are kept, you will need to list him on the policy either as a covered driver, or you and your wife can choose to exclude him from coverage. With coverage being provided, he will be covered at any point in time for both vehicles. With excluding him, this will allow for you to remove coverage from him, meaning maintaining the current cost of your insurance coverage. Just remember, with the exclusion, that means that he will never be covered to operate the vehicles insured on that policy. He will still be covered for any other vehicle he may operate. If your insurance company finds out that he lives in the household, they will either cover him on the policy until you exclude him, or they will cancel you.

I hope this helps.

Answer 2

Maybe - if he is living in your household or you are claiming him as a dependent (like paying for his college) you are likely to be made responsible if he is involved in an accident and there is no insurance/inadequate insurance to cover the claim.

Yes - If you are on the title of the car he is driving or co-signed on a loan.

No - If he has moved out and is on his own and you don't have an interest in the vehicle he is driving; you aren't responsible for his insurance

But since you are a caring father and don't want your son to ruin his life at such a young age, you will, of course, make sure he gets and maintains his own insurance.

Answer 3

if he lives in your home it may be a good idea (sometimes you get mutiple car/driver discounts) if there is ever an emergency he just might drive the car. Some insurance companies insist that if there is a licensed driver in the home they must be on the insurance policy. Check with your insurance company and see what they say..if you have a good company they will be honest with you. I lived with my mom at the age of 19 had my own car and ins. and was not on her policy, but my policy covered me for anything I drove...that is overcourse another option. Her policy covered for anyone driving her vehicle. Insured or not....

Answer 4

Not after He turned 18 you don't. If He lives at home and you want to help Him out on his rate you can have him on your insurance but make him pay his part. Insurance on a 19 year old male is so high. Some can't Even afford to drive because of it. Be a sweetie help him out...

Answer 5

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RE :Do I have to insure my 19 year old son, if he doesn't drive my wife's vehicle or my own?
Follow 32 answers

Answer 6

If he lives in your house, and he is a licensed driver, then your insurance company will probably require you to take out insurance that includes him on your policies, whether he drives your wife's vehicle or not...just in case.

Answer 7

as long as he is licensed to drive, as long as he lives in the household, regardless whether you allow him to drive or not, he needs to be added on to your policy. If not, and he gotinto an accident while driving one of your cars, you as parents will be held responsible. He maybe 19 y.o., but as long as he is in your houshold, he does not hold a job, a part time student/employee, and you claim him on your taxes, he is still considered a dependent, therefore, that makes you responsible for him. If he gets involved in a fatal accident while driving your car and he is not insured, you will be held liable and chances are the other party may and can put a lien on your property. Do the right thing and protect everyone including your assets.

Answer 8

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Answer 9

At least let your insurance company know - and you can request for him NOT to be covered. If they find out anyway, they'll put him on regardless and charge you.

Even though he's 19 - if he's still living in your household then you are responsible for him. Long shot, but what that means - if he causes an accident and doesn't have insurance - the other party can still sue you.

Answer 10

Depends on the laws in your state and the policies of your company. Some companies require you to report any drivers in your household to be listed on your policy regardless of whether or not they will be driving your vehicle. Will he have his own insurance and vehicle?