“Only the registered owner(s) of a vehicle can be the named insured on an auto insurance policy. This means the policy is in the registered owner’s name and the registered owner is responsible for insurance payments.
Is the car insured or the person?
Contrary to popular belief, car insurance typically follows the car — not the driver. If you let someone else drive your car and they get in an accident, your insurance company would likely be responsible for paying the claim, depending on the coverages in your policy.
Can you be on your parents car insurance if you don’t live with them?
Most insurers will also allow children to stay on their parents’ insurance policy when they move out of the family home for school. For example, say you’re a student who occasionally returns home and drives a family vehicle.
Can I drive my son’s car on my insurance?
No. There was a time when many fully-comp policies automatically gave you third-party insurance to drive any car, but those days have gone. So even if you’re fully covered for your own car, don’t assume you’re insured to drive other people’s cars otherwise you risk breaking the law.