Auto Club (AAA)

I haven't heard of a roadside assistance program that doesn't extend to anyone using the vehicle that has been given permission to do so. While most companies prefer any driver using the vehicle to be listed on the policy, they do have previsions in the policy that extend to infrequent users.

Insurance companies are regulated at a state commissioner level and in theory are supposed to be neutral. But, it's hard to say for sure any being is entirely neutral.

I would definitely involve your insurance company and let them know about the situation. The other driver's insurance company should be paying for your damage up to the limit of that policy, but if it doesn't cover everything then your current company should be able to help cover the rest.

Here is a simple breakdown of the process in Texas to transfer ownership of the vehicle to your son as a gift:

• You and your son will both need to fill out and sign the "Assignment of Title" section on the vehicle's title
• You and your son will both need to fill out and sign the 130-U form (which is the title and registration application) available to print on the state's website
• You and your son will both need to fill out and sign the "Gift Transfer" 14-317 form available to print on the state's website
• Your son will need to insure the vehicle on his own policy unless he is a member of your household. If he still lives with you then he and the vehicle can be added to your policy, or he can insure the vehicle on his own
• You and/or your son will need to submit those documents in person to your county tax office and pay the $10 gift tax

After this process is complete then your son will be the titled owner of the vehicle.

You should be able to purchase roadside assistance with AAA without switching your insurance coverage to AAA. Their roadside coverage is actually offered separate from their insurance policies for this specific reason.