Our state follows the Family Car Doctrine, which provides:
My understanding of the FCD as applied to the above facts is that my son's car will not be a "family car."Liability under the doctrine is incurred (1) when the vehicle is owned, provided, or maintained by a parent, (2) for the general use, pleasure, and convenience of family members, (3) and at the time of the accident the vehicle is being driven by a member of the family for whom the vehicle is maintained, (4) with the express or implied consent of the parent
Here's my question: If there is an accident with my son's car and an injured person claims against me under the FCD (correctly or not) will my homeowner's insurance and umbrella cover the defense and any liability?
I think the answer to this question is yes because homeowner's insurance generally covers personal liability, even not related to the home.
I've asked my insurance agent this question, but haven't received an answer.
Thoughts?