My sister, age 42, has co-signed on a loan for a truck with my son, age 19. He lived with her for a year while I had to move to Virginia for my job. He now lives with me in Virginia - she still lives in California. At the time they purchased the truck together, she took out an insurance policy with both of their names on it. She told me she did this because it was cheaper. The insurance policy expired right after he moved to Virginia so he located a new insurance company, asked for a quote and was given one far below what he had been paying (he has made all insurance and bank loan payments - she has paid nothing). He purchased the policy and I let her know that he now had a policy in his name only. She bacame angry and told me that should he get into an accident, that she could be sued, so she therfore either needed to be on his policy or would take out her own. She then said this seperate policy was going to cost her $300 and we would have to pay. Does the law require both co-signers to have insurance when one of the co-signers never drives the car?