Do I *have* to put my son on my car insurance?
May 21, 2009 2:25 PM Subscribe
How mandatory is insurance for a family member with a license who won't be driving...?
posted by blue_wardrobe to Work & Money (34 answers total) 1 user marked this as a favorite
When my son got his learner's permit, I called up my broker and asked him about car insurance. He said, "While he is on his permit, your insurance will cover him already. Once he gets his license, you must add him to the policy which will cost some."
So, my plan was not to rush my son to pass his test - he doesn't need to be driving much.
However, he turned 18, went and passed his test, and went directly to the DMV to get his license. Didn't even pass GO on the way. His view was, "I won't be driving - so don't add me to the insurance."
Predictably the broker said, "If he lives in your house, and has his license, you have to add him to the insurance. Oh, and it will be $975 for six months."
Is this a legal requirement, part of the company's policy (which I can't find anywhere), or just the broker blowing smoke?
(Jurisdiction = Connecticut)