Our son (17 with license) is fully on our USAA policy for our two vehicles. However, he will now be driving my Mom's car (not on our policy) frequently to school and other activities.

A few questions:

Do we need to "buy" my Mom's car and add it to our policy?

Do we need to add him to my Mom's policy as an operator? Seems like that would be paying the "teenage penalty" twice.

Are we good, since he is already on our policy, and he is using my Mom's car with permission?

Your thoughts?

Thanks!