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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?

Jul 21, 2022 Danville, CA

Answer
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Nathan Foster

Agency Trainer

Credentials
  • Licensed Insurance Agent - Property and Casualty

Nathan is an insurance professional with a focus on creating positive customer experiences with more than 10 years of industry experience.

Nathan tra…

Because your mother has an umbrella policy through AAA, she is likely required to have you listed as a driver on her full coverage policy. This is a common requirement with car insurance carriers who offer umbrella insurance. The only thing you could do is 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 us know.

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