Help. We need advice and would like to get it first from someone other than our agent. I posted this in "Ask the Agents" too. Hope that's okay.
Facts: Our 20 yr. old son was in another state going to school. He had his own car and insurance there. He had drug and alcohol problems NOT involving driving. We got rid of his car and brought him back into our home and he is attending school here F/T now and is currently sober. It would be easier for everyone for him to drive. We are considering our options considering the risk of future drug/acohol problems and the chance that we may ask him to leave our home if they recur. Additionally, if all goes well for 18 mo. he will likely need a car to go away for his last 2 yrs of school in our state. So, we are deciding between letting him drive our older 3rd car vs. buying him his own car, and a separate policy for him.
1. His own policy would make it easier/quicker if we had to kick him out. right?
2. If he was on our policy, then he got a DUI or accident, and we dropped him, would our rates be affected even after he was dropped? How much? Would our ability to change insurers be affected? How long? (We have clean records and drive 2 nice cars)
3. If all is good for 18 mo. and he goes away to school with a car, can we keep him on our policy then, or will he need a separate policy then anyway?
We realize buying him a car and separate insurance would cost more now, but we can afford it, and are weighing this against the longer term possibilities above. Any help/advice would be greatly appreciated.
We are in California.
Thanks
Facts: Our 20 yr. old son was in another state going to school. He had his own car and insurance there. He had drug and alcohol problems NOT involving driving. We got rid of his car and brought him back into our home and he is attending school here F/T now and is currently sober. It would be easier for everyone for him to drive. We are considering our options considering the risk of future drug/acohol problems and the chance that we may ask him to leave our home if they recur. Additionally, if all goes well for 18 mo. he will likely need a car to go away for his last 2 yrs of school in our state. So, we are deciding between letting him drive our older 3rd car vs. buying him his own car, and a separate policy for him.
1. His own policy would make it easier/quicker if we had to kick him out. right?
2. If he was on our policy, then he got a DUI or accident, and we dropped him, would our rates be affected even after he was dropped? How much? Would our ability to change insurers be affected? How long? (We have clean records and drive 2 nice cars)
3. If all is good for 18 mo. and he goes away to school with a car, can we keep him on our policy then, or will he need a separate policy then anyway?
We realize buying him a car and separate insurance would cost more now, but we can afford it, and are weighing this against the longer term possibilities above. Any help/advice would be greatly appreciated.
We are in California.
Thanks
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