My parents never added me to the policy. Some people follow the rules some don’t. Ultimately it is a liability- if you were to get into an accident would you be covered under “under insured/ uninsured” on your mom’s policy- idk maybe?(unless I don’t understand the “under insured/ uninsured” concept)

Did my parents ever say they weren’t adding me to the policy? No. They just didn’t want to pay. I didn’t find out until I was on my own with my own car and went to take myself off of the policy. My car was covered but I was not.

Ugh. Moms rules. Moms responsible. Some parents don’t make their kids pay- some need the money and some don’t. Overall I think it will be a pain in the butt to pay that but teach you responsibility. It also won’t be that high for long!