What happens if you're a household member that gets a speeding ticket without being on car owner's policy?
I'm almost certain this would fall on the Driver of the vehicle. If he or she is not on your Policy, he or she should have there own policy. If they do not have a policy the should not be driving at all. Most States require all drivers to be covered with insurrance.
You can if you enter a cheat code first. Press Shift+Ctrl+C and then write: testingCheatsenabled true Press Enter and then Click on the sim you like to move into your household while pressing Shift, choose the one that says "Move into household" or sth like that and that's it the npc you chose is a family member from now on.
If the social worker takes your Baby, Toddler or Child, he/she can return to the household once you have another family member who isn't married to that Baby/Toddler/Child's mother/father. He/she can phone to 'Service' and then 'Adoption Service'. The child will be bought back to the household but not claimed as that Sim who adopted it's mother or father, the real one's will always be, however they will be like a family member to that…