cancel my umbrella policy due to my adult son’s driving record.

UPDATED: Mar 21, 2012

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UPDATED: Mar 21, 2012Fact Checked

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Mar 21, 2012

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

UPDATED: Mar 21, 2012

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

UPDATED: Mar 21, 2012Fact Checked

If your son is an adult and has his own insurance for his car, you should be able to exclude him from your auto insurance and your umbrella policy. It is unlikely the insurance company will be willing to continue the policy if he is not excluded from your policies, since he still technically lives in your home. However, be aware that if you exclude him from your auto policies, he cannot drive your cars for any reason. If he does, there will not be any liabiility insurance provided in the event of an accident.You should talk to your insurance agent or company and see if they would be willing to exclude him from the policies in exchange for you keeping your umbrella policy.If they decline, you should see if you can increase your liability limits on your home and auto(s) and any other property (such as a boat) to $1,000,000. This is not quite as good as an umbrella policy, but it may be an alternative that will work for you.

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Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

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