DUI and adult child's insurance
My son was convicted of DUI when he was 20. He's now over 21, has been without his license for the requisite 12 months and now wants insurance so he can get his license back. I carry a lot of coverage in my own policy but am only willing to buy him a minimum-requirement policy under CA law. I am paying his college tuition and all living expenses. My question is this: In the worst-case scenario, e.g. when there's someone dead or in a wheelchair as a result of an accident for which my son is deemed to be liable -- what is the likelihood that my assets can be at risk, as well? IOW, are we kidding ourselves that by insuring him separately, not allowing him to drive any of our cars, and covering him at the legal minimum level, our assets are sufficiently protected?
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