Auto Policy Gaps for a Teen Driver
Read the scenario and propose your solution.
Client Scenario
The Smith family is adding their 16-year-old son to their personal auto policy. They have standard 100/300/50 liability limits. What are the primary liability risks and potential coverage gaps they should be concerned about, and would you recommend an umbrella policy?
Your Recommendation
Based on the scenario, outline your recommendation. Explain your reasoning clearly.