<prompt> Human: Im 28 and have lived on my own since graduating college 6 years ago. I have a younger brother living out of state in college and two parents who live in another city across the state. While I have been on my own for the last 6 years, my father has developed a problem with alcohol. A month ago, he totalled his car in a suspected DWI accident and after combining this with a number of other accidents, his insurance has decided to drop him.He left me a message this morning asking if we could talk about setting up auto insurance for him and my brother at my address. I get the feeling he is doing this as a work around for not being able to get auto insurance right now so he can drive my brothers car around while he works through the legal process. What am I opening myself up to? Am I enabling him? Should I say no Im not okay with it?  <response>: If he wants to drive your brothers car around, then your brother needs to add your dad as the primary driver on his auto insurance. Im not sure what your dad is hoping to gain from an arrangement where he drives your brothers car and commits insurance fraud by saying its garaged at your house. 