You will have to add him to your insurance. He will be under your name and your premium will go up! if you don't do this the insurance company may look the the DMV to see how many licenses are registered under your home address, then they will call and ask if he is insured. so it's better to just go and tell them to add him to your policy.
No, the child needs to drive the other car. No, the child needs to drive the other car.
No, the unlicensed child is not covered under the parents policy unless that child is a scheduled driver on the parents policy. It is illegal to operate a motor vehicle on public roads with out a drivers license. Most parents already know that. It is also illegal to operate that vehicle on public roads without proof of financial responsibility. Fortunately the Parents are insured for acts of negligence in allowing the unlicensed child to illegally operate the vehicle. So basically the child is not a covered driver. Now the Insurance company will most likely pay a claim or loss if the unlicensed uninsured child has an accident. The claim would be paid not because the child was covered but rather the Insurer would be paying a negligence claim against the covered parents.
In order for your child to have insurance coverage, your child would need to be listed as a covered person on the policy, and a premium would need to have been collected for the child. Even if both parents are insured, if your child isn't on the policy and has not been considered as a portion of the premium, then there is no coverage.
Yes, however the child should be listed on someones policy as a driver. If the child drives your vehicle with any frequency and is not listed on the other parents policy then I would highly recommend adding them to your policy and pay the extra premium.
The one who has custody of the child. If the child stays at the other parents home part of the time and drives their vehicles then the child must also be listed as a driver on that parents policy.
Yes, an 18-year-old can be sent to collections for the amount he owes -- the deductible, co-pay, or charge for services not covered by the health plan. The parents are not legally responsible for the child's bills -- he is a legal adult.
NO, All drivers are required to carry insurance and be scheduled on an auto insurance policy. if he's not on the policy then he is not a covered driver. Although your company may be required to pay for an accident in which your uninsured teenager is involved. they would not be paying because he was covered, but rather they would have to pay due to the parents negligence in failing to obtain proper insurance for their teenage child and because they allowed the uninsured child to drive the vehicle. The insurer is often liable to pay for the negligence of the insured. Don't confuse this though with an assumption that the uninsured child was somehow covered simply because the insurer had to pay.
Assuming your car is insured any driver is normally considered an insured also. However, if this driver is a spouse, child or someone who regularly drives the car and the "driver" has a bad record and you don't want to pay the premiums, your insurer could deny the claim. Also the owner of the car is ultimately responsible lending your car out ruins friendships.
Usually the primary custodial parent, but parents may make other arrangements if they wish.
As long as he had permission, then yes. If you are going to try to claim that he/she didn't have permission, that's a whole other story.
You must list the garaging address on the policy (not a P o Box). The vehicle is rated based on the zip code where it is garaged. Say parents live in rural Georgia but their child drives a car to college and stays in the dorm. The vehicle that the child drives to college will be rated based on the Atlanta address while the other family vehicle will be somewhat less expensive as they will be rated at the home of the insured. You can have multiple garaging address on an auto policy.
According to the officers I spoke with two years ago when my 17-yo moved out, no. The parent is not legally or financially responsible for the child, except...it is my understanding that if the child is still covered by your insurance, you are still responsible for whatever medical bills are incurred that are not covered by the insurance until the child is no longer covered or is taken off the policy. Also, if there is an accident or the child is hurt, the parent is not automatically notified, either, because in the eyes of the state, the child is an "adult." BUT, if your child has a driver's permit, you will need to revoke it, because you CAN be held liable for any accident your child causes while only being in possession of a permit. But if that child doesn't have a permit and drives anyway, and gets in an accident or anything, that child is responsible, not you, only so long as you revoke the permit and take him off your auto insurance.