Legal Question in Insurance Law in Pennsylvania

First, the insurance company has the right to know what licensed drivers live with you. You should be honest in advising them that your 20 year old lives with you, if that is the case. They will take this into consideration in figuring your premiums, and will want know what cars, if any he drives. If you say "none", then the insurance company may require you to declare the 20 year old as a non-permitted driver, in which case if he has an accident, the insurance company will not pay. On the other hand, a lot depnds on the 20 year old's past driving history, and whether it includes moving violation, accidents, etc. If not , the insurance company might not ask for th is limitation. If that is the case, and so long as he lives in your household, and insurance company knows, you are probably OK so long as he has the owner's permission to drive the car. You should be honest with the insurance company, to make sure that you and your sons are covered in the event of an accident.