My 19 year old son is in college (in state) approximately 100 miles from home. He is a full time student and so has no income. I carry him on my auto policy and have the title in my name. I heard that I should re-title the car in his name so if he has an accident, the other party will not be able to come after me. Should I re-title it and is this scenario true? I also have a 1 million liability umbrella policy on the family.