Frequently Asked Auto Insurance Questions

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My son lives in my household and has his own car insurance. Will my liability limits transfer and follow me when driving my son's car?

No, your insurance does not apply to other household vehicles, or vehicles furnished or available for your regular use, including employer owned vehicles.

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Will my son's car insurance cover me while I am driving his car?

While we are insurance experts, we cannot definitively answer that question unless we are the insurance agent for your son as well. The likelihood is yes, but I recommend that any advice related to your son’s insurance would responded to by your son’s insurance agent.

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If my son's insurance does cover me, are there any drawbacks to me using his insurance?

Yes, especially if your son does not insure to the same insurance limits that you carry. Not knowing his limits, or what his coverage is can be very problematic, especially if he purchased limits that are much less than your limits.

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Are there any other potential problems that could arise?

Yes because some insurers have added step-down provisions to their liability coverage. Step-down provisions limit the amount of coverage available for everyone, except the insured drivers listed on the policy, to the state minimum limits.

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What is the state of Ohio minimum liability limits?

Ohio's required state minimum limits are:

Bodily injury liability $25,000 per person

$50,000 per accident limit

Property Damage liability $25,000 per accident.

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What if I have substantially higher limits than provided by my son's insurance?

Since coverage is provided through your son’s insurance company, and not yours, you would not be insured for more than the limits of liability your son has purchased, except that any step-down limits may impact the amount of coverage available to you.

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What are my options?

We have two recommendations: First, we recommend your son add you, or nay other household members, to his auto insurance as a listed driver. This should alleviate any concerns related to his insurance applying step-down limits to you or any other listed drivers; Second, advise your son to carry limits of liability equal to your limits so benefits coordinate.