[justlurking]

Not in Texas. liability insurance is not required by law just because you have a license. Only if you are actually behind the wheel of a moving vehicle is insurance required.

Sorry, I should have added: I am in Texas. And, I've experienced this exact issue: family members with a driver's in the same household are presumed to have access to the vehicles.

I don't know if it was required by law, or was our insurance company's policy. But, since it was a temporary situation, I didn't pursue it.

[TexasRedeye]

I don't know if it was required by law, or was our insurance company's policy.

It was your insurance company's policy - not Texas law.

[freedommom]

Sorry, I should have added: I am in Texas. And, I’ve experienced this exact issue: family members with a driver’s in the same household are presumed to have access to the vehicles.

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I am in Texas also and the same thing happened to me.

I called other companies to try and get a policy without my 18 year old son but everyone I called gave me higher prices because of my 18 year old son.