Why Put Your Child on Your Policy?

I posed this question to many auto agents. I've been insured with a large auto company for 25 yrs. I insured my first kid but not my second. Every agent told me the car is covered period. 6 weeks ago my son totaled my car and did big damage to the other car. A total of $25k of damage. The insurance company never once asked me why my child was not insured and paid the claim flawlessly.Its my first claim in 25 yrs. So why insure your child?

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