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I have a 26 year old son who lives in a major city 300 miles away from us, relying on public transportation. He does not own a car. When he was younger, we carried him on our policy as the prime driver of one vehicle. No longer do we do this as we have been told he could be considered as a casual driver of any vehicle, in his city or when back home.
id check with your agent, but when our daughter was at home she was tied to one of the cars (3 cars and 3 drivers) so at the time we just listed her on the cheapest one. But if we didnt have that 3rd car that she would have been a primary on, then i believe that's where she would have become a "casual" driver. Though some ins companies cover anyone who drives your car, just seems when it's your kid it makes a difference. I would be a bit surprised, if he dors not live at home (unless he's a student) and if he has no car that he's still considered covered for any car he'd drive (if i understand your post correctly)
I have a hard time believing that if he got into an accident, without his own insurance, that he'd still be covered.
Normally it is the car that is insured, not the driver !
If he does not own a car, whose car is he driving ? If any car he is driving is insured by it's owner, and he has permission to drive it, he's covered by the owner's policy. If you are worried about it, there is such a thing as a "NON-owners policy". Call your agent. Some info here:
A "casual driver" is any licensed driver who may drive your car with your permission but doesn't do so on a regular basis.
If you have full coverage on your vehicles your insurance will cover anyone who drives them regardless of whether or not they have coverage of their own.
If you have liability only you have to list anyone who will drive it on your policy unless they have coverage that will cover them while driving your car.
Hopefully this clears it up somewhat, let me know if not.
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Non-owners insurance
