Hi
In December, my 19 year old son was in an accident. He was deemed at fault, bot cars totaled, minor injuries. Our auto insurance carrier has indicated that he must be excluded from our current policy. Also note that my son is a college student (> 100 miles away), and only drives when he is at home over winter, spring and summer break (about 3 months in total. I also have an umbrella liability policy from this carrier.
Our options with this carrier are:
1. Exclude my son. Our policy stays in tact for the rest of the family, rates stay the same
2. Include my son, whole family get
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In December, my 19 year old son was in an accident. He was deemed at fault, bot cars totaled, minor injuries. Our auto insurance carrier has indicated that he must be excluded from our current policy. Also note that my son is a college student (> 100 miles away), and only drives when he is at home over winter, spring and summer break (about 3 months in total. I also have an umbrella liability policy from this carrier.
Our options with this carrier are:
1. Exclude my son. Our policy stays in tact for the rest of the family, rates stay the same
2. Include my son, whole family get
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