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I am an Insurance Broker - dependant upon where you live, your son's accident will be covered, either by your policy (considering you have adequate coverage, or his mother's, considering her coverage) Here in Canada, no-fault allows our own insurer to cover the vehicle, no matter the driver.

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Q: As the registered owner of a vehicle with insurance what happens if your son is involved in an accident with your vehicle if he lives with his mother and is listed on her policy?
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