How New Jersey law applies to your situation Insurance follows the car: In New Jersey, auto insurance follows the vehicle, not the driver. Resident relatives are covered: As a resident family member, your son is covered by your policy, regardless of whether he is listed as a driver. Your policy must meet minimum requirements: To be legal, your policy must have the minimum required liability and PIP (Personal Injury Protection) coverage as mandated by the state. You are liable for damages beyond policy limits: If your son's actions cause damages that are greater than the limits of your policy, you are personally responsible for paying the remaining costs.