Your son recently moved back home and wants to drive the family vehicle. You are concerned, though, because your son has a bad drinking problem, and has wrecked multiple automobiles. Your son’s name is not on your insurance policy, and you worry that if he is covered by your insurance, your rates will go sky high. Do you think there is anything you can do to make sure your son’s driving record doesn’t affect your insurance rates?

A. No, because your son is of legal driving age, he is covered under your policy.

B. Yes, just do not tell the insurance company that your son lives with you.

C. Yes, you could have him excluded from coverage.

D. No, because your son now lives in your home, he is automatically covered under the policy.