The Law & You

Should I Remove My Son From My Car Insurance?

The Law & You
April 16, 2018

The Law and You

Should I Remove My Son From My Car Insurance?

A viewer says her son had just moved from her home. Now she’s thinking of removing him from her car insurance policy. What should she do? Attorneys Greg Fellerman and Ed Ciarimboli offer her legal advice.

Dave Kuharchik: We have a question tonight about car insurance in this edition of “The Law & You.” Attorneys Greg Fellerman and Ed Ciarimboli are back. Thanks for being here today.

Ed Ciarimboli: Dave, we may put you on the spot and make you answer this question. Because if you don’t know about car insurance after being here for four years…

Dave: You know, I might just be able to pull that off. Let’s see. Here’s our question involving car insurance, it’s from Mary in Waverly. She says, “My oldest son just moved out. Should I remove him from my car insurance?” And my quick answer to that is going to be no. What do you say?

Ed: Well, you don’t have to. It really depends on the age of your son or daughter and it also depends on their driving record.

Dave: They might find out their son’s car insurance is through the roof.

Ed: If your son or daughter is 40 years old and finally moving out of the house, it’s time to get them off the car insurance. If they are 18 or 19, that might be a different story. So it really depends on their age. And obviously, if they have a considerable amount of claims, this might be a point of time that you want to remove them from your car insurance. Definitely, need a little more information on that.

Greg Fellerman: But, the reason you would want to do that is to limit your liability if you own the car or if they are living in your house. The benefit of keeping them on your insurance is if you want to keep all the cars together and maybe you have a bigger insurance policy. So there are all these things you have to weigh in. It’s a great time to go sit down and talk with your agent about the pros and cons, what the costs are. And if you ever want a consultation with an attorney, you can call us. We do these all the time, where we tell people, “Hey, you should do this, this, and this,” based on your risks. So, it’s very fact specific and we don’t have enough facts.

Dave: And I was just siding with the kids here. I think we just ended a free ride for a lot of kids out there.

Greg: I’m trying to kick them out the door.

Dave: All right, you can call the attorneys or check them out online if you have a question. Results matter with attorneys Greg Fellerman and Ed Ciarimboli. Guys, thank so much.

Ed: Thanks, Dave.

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The Law & You is a nightly feature on channels WBRE-TV 28 and WYOU-TV 22 where the attorneys from Fellerman & Ciarimboli answer legal questions. If you have a question that you want answered by the Law & You attorneys, please submit the form on this page or call the hotline at 1-888-570-HURT.

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