No. of Recommendations: 0
Your son has a driver's license. If you choose to ignore all the "what's if" that are possible, that's on you. I view car insurance as a cheap way of protecting what I have taken a lifetime to build up.

If he needed car insurance to protect him in a car accident as a passenger I'd be all over it. At his age car insurance would not protect me from anything, I am not responsible.

Protecting my assets is unrelated.
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