<p>We live in Cincinnati. We have two cars, a 2004 Volvo and a 2010 Versa.</p>
<p>Our two younger sons–22 and 24–have always been on our car insurance. We received the student/occasional driver discount because they attended school so far away. Both of these sons graduated in May. They never come “home” much as Cincinnati is not where they grew up–maybe7-10 days a year total–we generally go to DC fairly frequently.</p>
<p>Both of these sons now live in DC. Neither has a car. In fact, my 24 year old has probably not touched the wheel of a car in 8 to 10 months!</p>
<p>What should we/are we supposed to do? I don’t mind keeping them on our insurance, if it is proper. Can we keep them on our policy even if they are no longer in school?</p>
<p>What I am concerned about is that if they drive someone else’s car, and should have an accident, I want to be sure they are covered. I know they should be covered by the car owner’s insurance in that situation, but I don’t count on other young people to have insurance or to pay their bills on time so insurance doesn’t lapse.</p>
<p>Call your insurance agent and ask what s/he recommends. </p>
<p>I know that when my son-in-law had the accident while driving a car owned/insured by my husband and I, we bore all of the responsibility because we own the car. The other driver filed a lawsuit against us, and the SIL is not even named in the suit.</p>
<p>If nothing else I would have them buy separate liability insurance. If they do drive someone elses car with limited insurance and your son cause personal injury the injured person could come after your son.</p>
<p>We’re in the exact situation with our 26yo (lives in another state without a car) and 23 yo (lives in DC without a car). When I talked to our insurance co., they said that since they only drive our cars rarely and have our permission to drive our cars, they don’t need to be on our insurance. I thought I remembered reading on our policy that they had to be a member of our household to be on our insurance. They are not memebers of our household. Of course, since they’re driving our cars with our permission, we would be responsible should anything happen when they drive. Even if they were on our insurance, we’d be responsible if they were in an accident.</p>
<p>I do make sure to tell my older son to get rental car insurance when he rents a car since he has no auto insurance of his own to cover him.</p>
<p>I would check with your insurance company before doing anything.</p>
<p>You should make sure your insurance covers you while driving other cars, too. I was surprised when I was shopping around and found some companies only cover the driver while they’re driving their own cars. They don’t cover if someone else is driving your car, or if you’re driving someone else’s car.</p>
<p>You might want to have them see how much it would cost for them to get a high-deductible policy on their own.</p>
<p>My D doesn’t live at home anymore, and has no access to a car, but still has her license with our address. So I keep her on our insurance, since they may consider her a “member of our household.” </p>
<p>If your sons change their licenses to DC, there should be no issue dropping them from your insurance since they have no indicia that they are still living with you.</p>
<p>I am much less worried about “additional” coverage if they’re driving someone else’s car than others on these boards seem to be. There are thousands of people in places like DC or NY who do not own cars and have no reason to be on anyone’s car insurance. If you are worried, have them speak to a local (DC) insurance agent to see what they recommend.</p>