Well, that’s a whole different thing. They are your kids, and you own a car, so they assume the kids are going to drive your car.
If my daughter ever decides to get her driver’s license, I’m going to find out if it’s actually cheaper to buy her a $200 clunker that doesn’t run just to assign her as primary.... :-)
That’s what I did. It does help, but you’re still on the hook if they’re living at home.
I use Geico, and they do have a “phase out” program, which they did notify me about regarding my son, now that he’s 22.
But, it’s still a “phase out”.
Whatever, I guess.
Good luck with your situation.
My 21 year old daughter was in a head on collision on her way home for Thanksgiving. She had only minor injuries but the other driver was killed instantly. The other driver crossed over into my girl’s lane - no brakes applied.
The other driver’s car was insured and therefor legal. However, the estranged husband had signed forms to omit coverage for any one other than himself. She was not an authorized driver so no insurance.
Luckily I had my girl in a 1996 Buick Riviera with Uninsured motorists coverage. That big heavy front end was crushed to 18 inches from the windshield. Choose carefully when you send your kids out in the road.