Auto-insurance coverage?

You need to read your car insurance policy. But generally, in most policies, as long as someone is not excluded, they are covered IF you give them permission to drive the vehicle.  If they take the car without permission, they are not covered.   In addition, your son is likely also covered if he is a resident of your household.  However, again, you should read your policy.  I'd also encourage you to place a phone call into your insurance agent.  It would probably cost no additional money and very little time to actually add your son to the policy as a named insured, which would ensure coverage.  Best of luck! NOTE:  This response is general in nature and should not be considered legal advice.  No attorney-client relationship exists or is formed by this response.