Auto insurance need advice
My son (17) has his driver's license and he's under my auto insurance. He's recently been driving his gf's parents car, with their permission. I thought it was like 1 or 2x case but it's daily since he doesn't have his own car yet.
We're in the process of getting him his own car but it'll be another 4 to 5 months of savings. His gf doesn't have a license so her parents were ok with my son driving them around.
I told him not to do this because it's illegal in our state to drive a minor when he's not 18 yet and her parents aren't adding him as a driver. Her parents and us are not close, we met a few times. My wife says it's not a big deal but I believe this is a huge risk that should be avoided. I'm not out of my mind right?
If anything happens they can easily deny they allowed him to drive and I'll be on the hook. How can I get thru to my wife that this is serious risk because just explaining to her the risk of liability doesn't resonant with her.