Can I put my son under my car insurance?

You can add your child to your car insurance as an occasional driver. Discounts you may receive for adding your children to your car insurance policy include: Completing a driver’s education course and providing proof. Good student and safe driving discounts.

Is it cheaper to put my son on my car insurance?

For starters, there’s likely to be a modest admin charge for adding a new driver. This is why young drivers’ policies are usually more costly. Nonetheless, it’s likely that adding your child to your existing car insurance policy will work out cheaper than if they arrange their own standalone policy.

Who is liable if a minor causes a car accident?

For example, in California, a parent or legal guardian must sign the driver’s license application of any minor (under 18) in their care, and parents or guardians are essentially jointly liable if the minor causes a car accident.

Can a parent be held responsible for a car accident?

Most state legislatures have recognized this fact as well, and have passed civil statutes that can be used to hold parents and guardians responsible when a teen driver’s negligent or reckless driving ends up causing a car accident. Read on to learn more.

Who is liable for medical bills after a car accident?

If this duty is “breached’ through negligent or reckless driving, and someone is injured as a result, civil liability follows, meaning the driver (usually through his or her car insurance company) will be liable for medical bills, lost income, and other losses stemming from the crash.

Can You insure your car in a different country?

In principle, you can also insure your car in an EU country different from your country of residence. But remember to check if the insurance company offers international services.

Who is liable if my son is in a car accident?

Not as his parents but possibly as owners of the vehicle he was driving. The limit of liability for an owner in CA is $15,000 unless plaintiff can prove negligent entrustment. * This will flag comments for moderators to take action. Not unless he is an incompetent driver and you let him drive anyway.

Why are there liability limits on car insurance?

Liability limits are designed to cover many instances of damages for the insured driver. However, most people do not know that liability insurance also covers legal defense costs if you are ever sued by a third party. When you’re “at fault” for an accident, liability limits provides monies for all related expenses such as:

Can You insure a car for a relative who lives out of State?

You want to finance and insure a car for a relative who lives out of state. First off, auto finance companies want evidence that the car loan is in the same name as the insurance policy. Since you’re not the primary driver of the car, nor is the car at your residence, it is difficult, if not impossible, for you to insure the car.

What happens if your child’s car insurance is not covered?

They may even have their own car insurance, in their own name, but if your child ends up severely injuring someone and is sued and the policy limits on their car insurance are not enough to cover the judgment, you could still be held liable for damages that the policy didn’t cover, depending on the circumstances.