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Question
I want to get my own car insurance, but my mom won't let me.
I am 27 and I live with my parents. We have AAA full coverage, as well as an umbrella policy. It's very expensive for me even though I am a safe driver. I have asked my mom about getting my own car insurance coverage, but she's afraid if I do that she could be sued if I were to get in an at fault accident and they try to sue beyond the insurance coverage. Please help me clear this up! Is this something that could potentially happen?
Answer
Because your mother has an umbrella policy through AAA, she is likely required to have you rated as a driver on her policy. This is a common requirement with insurance carriers who offer umbrella insurance. You might be able to have your mom check with AAA to see if they'll allow you to get your own policy. Hope this helps! If you have any other questions, please let me know.