Friday, August 24, 2012

When you purchase auto insurance are you insuring the driver or the vehicle or both?

Here's the situation. I have a 15 year old son who is about to get his provisional license. His mother, my ex-wife, and step-father want to buy him a car. They will buy it, they will be on the title, they will be the owners. If they insure the car in their own name, is there a separate policy for my son as the driver? In other words, could I add my son to my insurance policy and he be able to drive "their" car? How does that work for my two other vehicles? And how does that work for their other two vehicles? Obviously, there will be times that he'll need to drive something other than this car that they are buying for him.

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