Can I add my son’s owned car -insured in his and my name- to my umbrella policy?

Whether or not you can add your son’s car to your umbrella insurance policy will depend on the specific terms and conditions of your policy, as well as the insurance company you are working with.

Generally, umbrella policies are designed to provide additional liability coverage beyond what is included in your standard auto insurance policy, and they may offer coverage for multiple vehicles owned by the policyholder or members of their household.

If your son’s car is insured in both his and your name, it may be possible to add it to your umbrella policy, but you will need to confirm this with your insurance provider. In some cases, umbrella policies may only cover vehicles that are owned solely by the policyholder, so you will need to check whether the policy includes any restrictions or exclusions related to shared ownership.

Additionally, your insurance provider may require you to meet certain eligibility criteria before adding your son’s car to your umbrella policy. This could include having a clean driving record, meeting age requirements, or maintaining a certain level of auto insurance coverage.

It’s important to note that adding a vehicle to your umbrella policy will likely increase your premium, as you will be increasing the amount of coverage you have. However, umbrella policies can provide valuable protection against unexpected lawsuits or damages that may exceed the limits of your standard auto insurance policy, so it may be worth considering if you have significant assets to protect.

In summary, it may be possible to add your son’s owned car – insured in his and your name – to your umbrella policy, but it will depend on the specific terms and conditions of your policy, as well as the requirements of your insurance provider.

Be sure to speak with your insurance agent to determine your eligibility and to understand any additional costs or restrictions associated with adding a vehicle to your umbrella policy.

Asked May 13, 2016 by Andy Villena