Originally Posted by
GogglesPisano
If you have a dependent driver under 22 you're going to find it difficult to get more than a $1M umbrella.
You can remove them from your insurance, but then you're (they're) going to be paying more for auto. And in some cases this won't help your umbrella at all since they are still your dependent.
Depends on state law.
Typically better to transfer the car and have them get their own insurance. But if they're living at home or financially dependent (college) in some jurisdictions you might still be liable. In that case, putting them on separate insurance would mean that your umbrella might not cover it, while you could still be liable. Might be better to keep them on your policy, under your umbrella.