My 16-year-old son lives in Cincinnati Ohio with an Ohio license and auto insurance. His dad lives in WV. If he wrecks while driving his dads car in WV who pays the bill? Does my son need WV insurance or is he already covered on our policy?

Jamie,

Cincinnati, OH

You and your husband should discuss this matter to your insurance company. In an accident where the driver is using someone else’s car, the insurance of the owner’s vehicle would be primarily used. Any excess on that policy limits to be paid, the driver’s coverage in the insurance policy is secondary. Insurance companies typically follow vehicle first and driver second.

It seems your son spends a period of time with his father in West Virginia. In this case, his father will have to check with his insurance company if he needs to add his son in the policy as an occasional driver for his visitation period. Otherwise, his son might not be covered, depending on how the policy is stated and any exclusions that may be indicated , if a car accident occurred.

If his father’s insurance company does not require him to add his son on the policy, I still recommend that you check with your insurance company to ensure that your son is covered while driving in WV with his father’s car under your current Ohio policy.