NonOwner Auto Ins.

2bruins
Tue, 27 May 2008 01:56:19 +0000

Generally, auto insurance follows the car not the driver. When our kids were young, we had a nanny who drove her own car (and carried only minimal liability insurance) to pick them up from school, take them to practices, etc. I asked our insurance company to add her to our auto liability policy, and they would not do so because she didn’t drive our car. Instead, we were able to get a non-owned auto liability policy to cover any accidents that she might have had.

Suggest that you ask your own insurance agent what should be done under these circumstances. They will probably suggest that your son verify the existence of liability insurance with his employer (in our state, proof of insurance must be carried in the car), in which case he should be all set.