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Can I drop my adult son who lives at home from my insurance if he doesnt drive my car?
Jfmurph
Depends if you live in a "no fault" state. Here in NYS ther is no such thing as an "excluded driver" other than for a busboy that might climb into your car to get suitcases or a similar situation in which in th ecourse of business someone may have access to your car.I googled NYS insurance regulations and laws as I read so many posts that said otherwise.The only wasy to exclude him is to have him get his own insurance and report that to your insurance co. Suggest you Google your state's insurance web site.
Now here in NY, an adult son does not need to be listed as a driver on the policy , but must be listed as a member of your household, so th einsurance co. can jack up your rates based on his driving record.
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∙ 13y ago
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Can an adult son who lives in home drive car insured by parents?
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How does it affect out lives?
it doesnt....
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Can a 16 year old driver get his own auto insurance policy or must he be on his parents policy if he lives in the home with them?
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if hes not i wouldn't suggest letting him drive the car
