Reader’s Question:

My teenage son barely drives and so I’m thinking of taking him off from my policy. If in case he gets in an accident, will he still be covered since to my understanding the car has insurance under my name? We’re from Cape Coral, FL.

Simon

Cape Coral, FL

Your insurance company in Cape Coral, FL may not allow you to take off your teen from your policy since your son is already licensed and lives in your residence unless he turns in his license or gets his own policy. Your son does not have his own car yet so getting his own policy may not be a good option for you. A non-owners policy would not be of help either. It only works as a secondary insurance and if the primary insurance, yours, would not pay out (due to him not being on the policy) then the non-owners would not typically pay out either.

If you still would want to take off your teenage son from your policy, you can discuss this with your insurance agent in Cape Coral but more likely as previously mentioned, they will insist that you keep him on it. You may be required to exclude him from the policy if you choose to take him off, in which case he would not be covered by your insurance policy if he drove the vehicle and was in an accident.