Is my son insured if he drives with me in the car?

Auto insurance isn't like a cloud around you that provides coverage to those with arm's reach. If your son lives in your household, he should be listed on your policy.

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If he lives away from home, he's likely covered, as are other people who might occasionally drive your car. If you're unsure just give your insurer or agent a call to confirm.

Whether or not you're in the car is inconsequential.