Well when my son had a wreck in a car in my name it shows up on my driving record I even called Springfield as long as the car was in my name it goes on my record as if I had the wreck. The reason the car was in my name was these insurance companies really make it impossible for these kids to afford insurance. His was still $150 a month for liabilty before the wreck $180 after. That was with the car in both are names and him the driver. I really don't know what they expect these kids to do until they are 25. Good luck if you fight it I think it all a racket but sometimes they make the rules we have to live with. Now his tickets did not go on my record but any accident did. Good Luck!