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Driving Without Insurance

June 25th, 2008 at 11:05 pm

One of the things my ex and I fought about was that he would let our 15yr old DS without a license and insurance drive our cars on the roads and not just any roads but the Washington DC beltway and I-95 in Northern Virginia. Initially it was so he could drink while DS drove. He would also tell me that it was because DS needs driving experience. Baloney! He can get experience like every other teenager, when they get their learners.

Well, DS is on my insurance and I have warned ex that if he doesn't add DS to his policy then DS is not covered. Until he is 18yrs we are financially responsible for DS's financial mistakes! Ex is letting DS drive his Jeep Cherokee since the gas mileage is better than DS's truck and has not added DS to his policy.

I try to make the right choices legally and financially and I hate it when my ex ignores good sense/the law and does stuff like this. And, he won't listen to me. This is one of many reasons why I fought for custodial custody.

Now, I will have to worry for the next 36 days that something could happen. Obviously my first concern will be for DS's health but I can't ignore the fact that an accident by my DS as an uninsured minor driver could wipe me out financially.

3 Responses to “Driving Without Insurance”

  1. sillyoleme Says:

    I'm not sure about your state, but when I worked in insurance, any licensed driver who has your car with your permission (as in, they didn't steal it) is covered. As we always said - "insurance follows the car". So as long as insurance is on the car itself, and your son has a valid license, any accident would be covered.

    The rates that your ex is being charged is something totally different. If he hasn't told the insurance company that your son occassionally (or regularly) drives the car, and they find out, they will probably either try to cancel or pro-rate the policy for the rates it SHOULD have been. Good luck getting him to comply! Smile

  2. klbb90 Says:

    Unfortunately, in Maryland that is not the case with drivers under the age of 25. I will discuss this with my agent again to be sure.

  3. sagegirl Says:

    In Texas, you are covered (liability only) as an uninsured/underinsured motorist. But that is only for the damage to the OTHER person's car. It is the same thing, I think, that covers me if, say, I drive my sister's car. Plus your coverage you have on your son may cover him elsewhere. All good questions to ask.

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