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I would also say, call your insurance company. Still, I was a young driver at one time and my parents told me then, if I plan on driving then I would plan to be buying my own car and paying for my own insurance. I did just that. LOL
As far as I know, as long as he is not going to be driving your cars then you will not need to add him on to your insurance. Each state may have differant rules for this though. In California you can have a drivers license and not own a car, meaning that you would not have to pay for any insurance.
back in Wi when our daughter hit driving age, once she had a license she had to be added to one of our cars if not her own. I can only assume the way ins companies work that would be their thought process in other states as well.
As noted, call your own ins agent to get the actual scoop for your policy in your area
You can do it online if you have that access. I know with my ins comp I put them on, and they asked if they would be driving regularly, and also if the school was over 100 miles from my residence. Normally in a insurance update, the name and dl comes up and you have to add if they have your home address as theirs.
I thought to get a licence you had to show you had insurance...
Owning a car is not a requirement to get a license, thus having to have insurance is not a requirement.
I received my first license and did not own a car, many years later, I got a new license because I moved to another state and did not own a car at that time, nor did I have any insurance.
You need insurance to register a car, not to get a driver's license.
As far as the original question, the likely answer is that he needs to be on your policy because they will want any driver in the house on the policy, because they might drive the cars. I'm assuming that his license and stated place of permanent residence is still your house, right? I'm not sure the fact that he's away at school most of the time will sway that. You'll just have to check with your agent. If he is officially residing elsewhere, including what the license states, then you wouldn't have to list him.
If when he comes home he does drive your cars then his name will need to be added to the policy.
Not really.
If I have a guest in my house, I can allow them to drive my cars without putting them on my insurance.
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