How does this Car insurance thing work for teenagers?

Calvin: How does this Car insurance thing work for teenagers?
I do not live with my Son but he is old enough to drive now. Can he drive my car without insurance? I heard if you do not live with the parent, you can drive their car. If that is the case, could I buy another car and place it under my name but let him use it? It’s still technically my car and since I do not live with him, he wouldnt need insurance and no one would know that it’s actually his car.

Answers and Views:

Answer by Richard
autoinsurance.bebto.com – check this one. As I remember they have lowest car insurance rates for teens and young drivers.

Answer by lucy
I will try and explain this and hopefully makes sense.

Since son does not live with you, “technically” not required to be a listed driver on your policy.

To insure a car, you must be the registered owner to insure it. So you buy a 2nd car, you own both cars so can insure it. But the question is, does the car stay at your house or at the house where he lives the majority of the time? Say you buy it, insure it, but your son takes and uses during the week not with you and then has an accident, the insurance company may find out that you have bought this car for your son, but failed to add him to your policy. A good example would be he uses the car to drive to school everyday or to a part time job. The adjuster will put together that son does not live with you but has “regular use”, meaning can drive when he wants to school everyday or to his job.

Permissive use is when someone borrows your car but does not have regular use to the car. An example maybe a family member who has their own personal car in the shop for repairs and needs a car to use till it is fixed. But in your case, could be construed as a regular driver and not listed on the policy, they could deny for FRAUD.

But say, the car stays at your residence for him to come over every other weekend is my guess since most likely divorce and stays and uses, could still be a problem, since where-ever he lives he should have insurance, be it with his mother at his mothers residence.

It is hard to explain, but you need to talk to the person who he lives with to verify if they have added to their auto policy and also to YOUR insurance company and/or agent on how to handle this. You could be exposing yourself to a lawsuit if no one is insuring your son or if the insurance company
suspects fraud in doing this.

good luck

Answer by Greg
autoinsurance.bebto.com – check this one. As I remember they have lowest car insurance rates for teens and young drivers.

Answer by Chengcheng
View help