What is the best way to insure a teen driving a car?

[Mary Jay]

One attorney told me the best way to insure a teen is to put a car into an LLC and have the teen drive it. Then if something happens they cant go after everything that the parent owns in his or her name.

Is it the best way in your opinion or not? Or is it better to just have a regular NON commercial policy? But then, until the teen is 18 years old, they can go after everything the parent owns in his or her name.

What do you guys think?

Thank you

[Mike McCarthy]

I can't imagine the LLC thing works, unless there's some way to prove that the term was driving the car as part of working for the LLC. Then... questionable at best.

I’d just get your standard auto policy, add an umbrella policy over your home/auto/rentals (great coverage for those rare ‘oh sh...’ moments) and work on teaching safe driving. Mostly don’t text/drink/smoke/do-stupid-things while driving.