Ah, here comes summertime! Days of newly mown lawns, the crack of a baseball bat, fun in the sun and teenagers out of school driving around like maniacs.

Which, just like that, brings me to the personal auto policy and kids' cars.The basic scenario has been occurring with depressing regularity for far longer than the thirty-something years I've spent in this industry. Parents buy their kid a car and immediately get two pieces of fantastic advice from their trusted lawyer, CPA, financial advice columnist, priest, brother-in-law, neighbor or some guy in a bar (for some reason, seldom anyone with even fleeting knowledge of car insurance). These "experts" say that to save megabucks on their insurance premiums, the parents should title the car in the kid's name and insure said vehicle on a separate auto policy at minimum limits–or at least lower limits than the parents have on their own PAP. The thinking is that by doing this, the parents have also magically removed themselves from further liability for the child's use of the vehicle.Hardly a week goes by that this scenario doesn't pop up on the IIABA Virtual University helpline. This indicates two things. First, this question has become the insurance equivalent of the feast from the Eagles' legendary hit "Hotel California": "We stabbed it with our steely knives, but we just can't kill the beast." Second, far too many insurance folks still struggle with a response when confronted by parents enamored of the misguided advice above.Amazingly enough, the answer provided by insurance experts has remained nearly as unchanging as the query. Once again, there are two parts. First, the ISO PAP has an exclusion under Part A – Liability Coverage, which reads as follows: