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[quote=Anonymous][quote=Anonymous]How can I tell if DH (we are separated) really added our son (18) to the insurance policy that is under DH's name? Shouldn't he (son) receive an insurance card or something? DH is very cheap and complains about money all the time but he's been strangely quiet about what should be a large premium increase. So I'm worried that son isn't actually covered but he's driving everywhere. I now have my own car and policy and don't allow this son to drive mine because I can't afford to add him, and don't want him driving  my new car.[/quote]

At least make sure your son is explicitly exempted from your own policy, especially if he is living in your household. If not, and your insurance company finds out (e.g., through inquiring with the DMV), your premiums could skyrocket anyway.

Otherwise, if your son is driving a car that is insured, then he is covered (unless he is explicitly excluded). Insurance applies to the vehicle, not to the driver. Adding a teen to a policy is typically an insurance company requirement solely for the purpose of milking you for higher premiums. [/quote]

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