[Tigers] auto insurance question - liabilty

[Thomas Witt]

Sorry to be asking a non-Tiger question, but I have exhausted an extensive 
internet search without answers. I was hoping a fellow Tiger enthusiast 
might help.

If you sell auto insurance in California or are a California lawyer perhaps 
you can straighten out my understanding.

If my 18 year old, full time college student, son - has his OWN car, in his 
OWN name, with his OWN insurance (regardless of cost), and I DON'T claim him 
as a dependent (thought I can and would still like to) am I liable for any 
accident simply because he still lives at home?

My understanding is unfortunately - YES, simply because by living in my home 
I am REQUIRED to have him on my auto insurance (regardless of him having his 
own).  And, by him being on my insurance it links him to me and thus my 
assets.  Is this correct?

Thank you for your time and again my apology for the non Tiger question.
Tom