My child is in college and doesn’t drive a vehicle. Can I take him off my policy?

Most clients are insured on a personal auto sometimes known as a family auto policy. The language in the policy itself extends to close family members automatically. Although exclusions are possible, most carriers are not willing to exclude a driver simply for rate relief. Suppose your child borrows a classmate’s car. That car has low policy limits. Your child causes a serious accident resulting in a high limit judgment. Your policy responds as secondary coverage.