Quote:
Originally Posted by Skyman 08
It does not matter if you are on the same policy, if you are in the same household you are considered a driver of any car in that household, therefore if you child screws up several time (as mine did) you could be threatened with cancellation... I was... I got out of it becaues he was in the military and not really living at home, our address was just being used for his state of residence... So be sure before you get your own policy that you will be considered completely seperate from your parents....
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To clarify this is true in a way. As a parent if you have a child in the household who has a license you are responsible for them with your insurance (whether your company knows or not, and once they find out they will add your child unless you can prove otherwise). If they drive your car you are responsible for them (then again if your friend drives your car you are also responsible). If they drive someone elses car the other person is responsible for them, however if they are in some sort of catastrophic accident your insurance can be called in as a secondary (ie they hit a school bus full of kids).
HOWEVER if your 18 or over yr old child gets their own insurance and they are driving anything but your vehicles you have no liability or responsibility for them. So my advice here is if you don't want your kid on your policy make him/her get a car and their own insurance.