He moved out because he turned 17 and said that's what he wanted to do and there is nothing that we can do about it, however I do not want to leave him on my car insurance and him get in an accident or something. He said he's an adult so he is going to be treated like one and has to pay for his own way, tough love, lol
I believe it would be appropriate to first tell him what you are going to do (unless that has been done already). You can remove him from your insurance at any time by contacting your insurance carrier. Best of luck.
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You can remove him at your discretion. It will likely reduce your premiums.
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You are not legally required to keep him on your insurance. As others have noted, however, it is important for you to tell your son that you are no longer paying for his insurance. The consequences for driving without insurance can be significant. As an adult, he will have to make the decision about whether to take that (illegal) risk or whether to purchase his own insurance.
If you are the registered owner of the car your son drives, then you would be liable if he were to get into a car accident. If he is the registered owner, then you may drop his coverage but you need to understand that if he fails to procure insurance on his own, he will not be entitled to medical coverage, wage loss, or any of the other important benefits provided under Michigan’s No-Fault Statute. Without the minimum no-fault coverage, your son would not be entitled to receive any benefits even if the accident was not his fault.
There are serious consequences for driving a car without insurance. For example, if your son is driving a car where you are the titled owner and there is no insurance and he gets in an accident, several bad things happen. First, if he hurts someone, you are liable for all damages, including the injured person's medical care. If he gets injured by someone else, he has ZERO remedy and cannot sue anyone for his injuries. One other thing to consider is that, if you leave your son on the policy and he moves to, for lack of a better word, a red-lined district, and gets into an accident, certain carriers will try to void the policy based upon a material misrepresentation. So, based upon what you have said, if you are going to remove him 1) tell him in advance and 2) make sure that he is the only titled owner on the car. If you are not going to remove him, tell the insurer that he no longer resides with you and let them know where he lives.
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