If you have a adult child with his own policy can be sued if he lives has car accident?

It depends on the specifics of the accident and the jurisdiction in which it occurs. Generally, an adult child is not legally responsible for the debts or actions of their parents. However, if the child was living with their parents at the time of the accident and was driving their parents' car with their permission, the parents may be held liable for damages caused by the child's negligence. In some cases, the child's own insurance policy may provide coverage for the accident, regardless of whether they are living with their parents or not. It is important to consult with a legal professional in the relevant jurisdiction to determine the specific rules and laws that apply to this situation.