Insurance for Someone Else’s Vehicle Yes, of course You can Insure the property of another Person. So Long as you have authorization to do so and the holder is benefited, or some other insurable interest in that property exists.
An example would be a case where dad says ” OK, you can use my spare car but you gotta get your own coverage”.
If You have permissive use from the possessor of a vehicle, then obviously you have an insurable interest. However, Only the Legal proprietor of the Property or the designated agent of the holder can receive compensation for the property in the event of a covered property loss.
Whether your insuring for liability only or you buy total property coverage you must list the possessor as an insured on the contract, Then Dad will be proud and blessed you were prudent enough to fully insure his and your interest in the vehicle he loaned you.
List all drivers for liability purposes and list the possessor for property and liability interest.
Another example would be almost every time we Rent A Car. When we purchase the daily insurance with the rental car we insure our liabilities in the use of Someone Else’s Vehicle.
Yet another Example would be when a vehicle has been recently purchased and you are still in process of transferring the title. Naturally you can insure the vehicle so you can drive it while your working on the title transfer. Almost any Insurance agent can do this for you.
You can not insure the property of another when no insurable interest exists. It would be unlawful to insure the property or life of another where the intent is to build up unduly from another persons loss.
Nude in mind tho’ that Insuring the car is one thing. Registering the vehicle with your state is another thing and you may have local regulations regarding vehicle registrations as related to auto insurance and the vehicles operation on public roads. Yet another reason to always list the vehicle proprietor as an insured on the policy.
Insurance laws vary state to state. In MA, no. Contact your agent.
Can the car insurance be in your parents’ name?
Yes, It can be in your parents name if you are still a minor, a dependent or are still a household resident So long as “YOU” are also a scheduled driver on the parents policy. Failure to schedule your self as a driver is a common form of Insurance Fraud. So whether the policy is in your name or your parents name, as a regular driver or with regular access you are required to be listed as a driver on the policy. I most U.S. states. A minor can buy a vehicle. However, due to the limitations of contract law where minors are worried, A parent or other legal guardian would either have to provide the auto insurance or countersign the application for the Insurance Policy to be a legally strapping contractWhether you live in the same residence as your mother or not, you bring up an significant issue when you say “we’re thinking this will be the most inexpensive way for me to drive.” Most carriers will permit your mother to carry insurance on both the vehicles, tho’ there could be a problem if you live in a separate residence and keep the old car there. However, all carriers would require that you be listed as an insured driver, particularly if you’re the main driver of your mom’s old car. Not adding you to the policy, and then admitting that you thought it would be the most inexpensive way to drive, is essentially material misrepresentation. Your mother pays for herself as a driver, but her rates wouldn’t have you factored in. Most insurance carriers would promptly deny coverage in such a script if you were to have an accident. Of course, most people wouldn’t admit that they were just attempting to save money, which of course is insurance fraud (difficult to prove, but a mess when it is). So, have your mom add you to her policy. Her rates may go up, but in the end, it very likely is cheaper than you buying your own policy. It would be best for her to maintain ownership of her old car, as well, to avoid confusion about what a covered vehicle is. Insurance companies now use the term “household”. As long as the child (married or unmarried of driving age) lives in the same house as the parent, he or she is considered a household member, therefore needing to be in the policy. The only way to exclude a household member (of driving age) from an auto policy would be for the following reasons: 1. That person has his/her own insurance policy. Two. Never been licensedInsurance companies usually deny excluding a spouse from a policy, unless a divorce decree has been issued. ClarificationIt should be pointed out that in some jurisdictions the possessor’s name on the car registration must match the name on the insurance policy. If the car is in your name then your name should emerge on the policy to avoid registration problems. The “insured” (name of the possessor on the policy) must have an insurable interest in the property.
Can you insure your car in your sisters name?
Yes. But it is going to depend on what company you are with. Not all companies permit you to insure a vehicle if it’s not in your name. The company that I previously worked at did permit it. You had to add an “Possessed By Endorsement” to your policy. They will run the driving record of you and the proprietor, in this case your sister. They might possibly rate for your sister also, if she is not rated on another vehicle policy or if she lives in your household. So I would certainly look into it.
How can you find out if someone has your name on their car insurance?
Ask them. If they won’t tell you then there may be no way to find out. Why would you need to know this anyway? You could call the insurance agent and they may or may not disclose the information. They very likely won’t disclose information unless you are listed as a named insured on the policy.
Can your wifey get insurance on the car if it is not in her name?
It is relevent to the laws in your state. In MA the response is no. 4lifeguild.com
How do you insure a car that’s not in your name?
I’m not sure why you would want to do this. Why is the holder not getting the insurance? You will be asked on the application for insurance who possesses the vehicle, if you are not truthful, you risk, (should a claim arrise), mis representation on the application and the entire claim can be denied for this. (including the harm you/possessor are responsible for to other people)
Can you insure a car not titled in your name?
can you have insurance on a car if the title is not in your name? Generally, no. You don’t have anything to insure (called insurable interest). The only time this is permitted is with spouses. The car’s title may be in either name, but may be on the others insurance.
Do you have to have insurance on a car?
Yes, it is mandatory to have a car insurance if you own a car. Togain the right to drive on public roads, you need to get your carinsured before you make the purchase. Visit turtlemint to gothrough various options of car insurance.
Do you have to have car insurance?
You have to have car insurance which is a legalrequirement and with the right level of cover, provides financialprotection in the event of your vehicle being bruised. It will alsoprovide cover for injuries to other drivers, passengers orpedestrians, and their property.
Can the name on the insurance policy differ from the name on the car loan?
Anyone driving and all owners of the vehicle should be a namedscheduled driver on the Auto Insurance Policy to have propercoverage under your states financial responsibility laws. The terms of your Finance Note if the vehicle is financed will alsorequire that the purchaser be listed as an insured in order to bein compliance with the Finance Note.
Is the car insured or is the driver insured My sister has a license and is driving my insured car but her name is not on my policy. Can she legally drive my car if I give her permission?
no she has to be on your policy , or if you are total comperhensive and she hold an insureance policy . then you can give her permisson to drive your car under 3rd party only
You were in a car accident had insurance but the car was totaled and the car was not in your name Do you get compensated to get a fresh vehicle?
no you won`t get it. You require both car insurance and it must be registered on your name.
Can you drive a car that has insurance but not under your name?
If you’re liscensed, and have permission from the person under which the car is insured, you are able to drive the car if it is insured even if you yourself are not insured
Do you have to have a vehicle in your name to get car insurance?
you have to have a car for getting a car insurance No, you can be driving your parents car & be on their policy, therefore you are still insured
What if you do not have car insurance?
Don’t drive. If you are stopped or have an accident you can lose your car and your license.
When to insure a car?
Go ahead and insure the car when you very first purchase it. Most dealerships won’t let you leave the dealership without insurance very first. If the car is financed or leased, it needs to have “total coverage” insurance, which means it needs Comp and Collision along with the Bodily Injury and Property Harm (and maybe PIP too). If you already have a car that has insurance and you purchase a fresh car (in Florida) you have automatic coverage for 14 days. This gives you slew of time to call your car insurance agent and add the fresh vehicle. In order to get your registration and tag, you will need to provide proof of insurance. This is also known as a Binder. Your insurance agent will Tie coverage for you when they collect money and submit your application to the insurance company. The company then has XX number of days to issue your policy or refund your money.
How can my mom insure a car still in my name?
i am providing my parents a car.
i am still paying for the car.
can they get insurance without me
Is your car insured?
I just got mine insured for pretty low, 99$ a month total coverage, however my car is a 99. Visit this site if you would like an auto quote for yourself https://www.free-auto-quote.com
Can you get insurance on a car that isn’t under your name?
yes you can, you must know the car proprietor and have their permission but you CAN be added if they insure the car, you will be a “named Driver”
Can you insure a car that is not in your name in Arizona?
Because once again, you cannot buy insurance on something that you don’t own. If a claim occurs the company cannot pay you for damages because it is not your vehicle and you therefore do not have the financial loss. The company cannot pay your Dad because he does not have a legal insurance contract with the insurance company. The contract that you do have is then null and void because you committed material misrepresentation and fraud. Insurance for a Car not in your NameYes, You can Insure the property of another person. So Long as you have authorization to do so and the possessor is benefited, or an other insurable interest in that property exists. An example would be a case where dad says ” OK, you can use my spare car but you gotta get your own coverage”. If You have permissive use from the holder of a vehicle, then obviously you have an insurable interest. However, Only the Legal proprietor of the Property or the designated agent of the proprietor can receive compensation for the property in the event of a covered property loss. Whether your insuring for liability only or you buy total property coverage you need to list the vehicle holder as a named insured on the policy along with yourself. Then Dad will be glad and proud that you were prudent enough to fully insure his and your interest in the vehicle he loaned you. List all drivers for liability purposes and list dad for his property and liability interests. Another example would be almost every time we Rent A Car. When we purchase the daily insurance with the rental car we insure our liabilities in the use of Someone Else’s Vehicle. You can not insure the property of another when no insurable interest exists. It would be unlawful to insure the property or life of another where the intent is to build up unduly from another persons loss. CORRECT ResponseYou cannot insure a vehicle that you don’t own. Just because the possessor gave you permission to drive the car does not mean he is signing over interest in the car to you. Your name cannot go in the named insured section of the application. You can be listed as a driver but not as the named insured unless you own the vehicle. Rental Car business is not like what you are discussing here. The Rental Car Service has the person who if renting the vehicle to sign a fresh contract with them to provide certain exchange of assures from both parties. This contract is listed as acceptable in part with the automobile insurance contract the possessor signed with the insurance company. Provisions in the auto insurance contract permit for some transfer of certain coverages in certain instances. The fact is that in a individual automobile insurance policy the proprietor of the vehicle must be the named insured on the contract.
You did not have car insurance and got into an accident the car is not in your name can you be sued?
Oh yes, big time. If you are at fault and there are damages you can be sued for the damages.
Why have car insurance?
Car insurance is required by law, and it’s an expense a lot ofpeople would rather do without. Paying regularly for something thatyou don’t actually use on a regular basis – and may never use ifyou’re fortunate – can seem like it’s a money-making scam on the partof the insurance companies. The truth is that car insuranceis an investment that you are making in protecting yourself andyour future from the unexpected. It’s not a scam – and yes, youreally do need it. Havingcar insuranceis essential becauseit covers your expenses in the event ofvehicleharm orinjuries to other drivers, passengers or pedestrians. All motoristsmust beinsuredagainst their liability to other people, Youneed car insurance to protect not only yourself but anyone whohappens to be in the car with you.
Can you get a car insurance if car is not in your name?
Yes you can, but you must make the situation clear to the insurer. Under some circumstances the insurer may turn down. Such as if a parent is attempting to insure their child’s car. (See: fronting car insurance)
Can you have insurance and not have a car?
Yes…this is called a “non owners insurance policy”. Not a lot of companies issue these but many of them do. If this type of policy is purchased, you are cover in any vehicle you drive.
Whose name does car insurance have to be in?
The auto policy needs to be in the name of the person who wields the vehicle with few exceptions. The exceptions deal with a family situation who live in the same household. Vehicles titled to a hubby or wifey can be insured on a policy in the others name if they are legally married. Also children such as a Nineteen year old child who wields a car can have it insured on his parents policy if he still lives in the household and is listed as a driver on the policy.
Can you get car insurance in Georgia on a car that is not in your name?
No. You cannot insure a vehicle that you do not own. The only exception to this is in a family situation where a married duo has one vehicle in one name and the other vehicle in the other name. I always recommend that the insurance be listed in both names to prevent any problems and to permit both parties to make switches and sign documents. The fact is that you cannot insure something that you don’t own because if the property is bruised you have no financial loss so the company cannot pay you and since they don’t have a contract with the possessor of the vehicle they can’t pay them either. If you buy insurance on a vehicle you don’t own then you have committed material misrepresentation on the insurance application and the insurance contract is null and void. Simply don’t do it.
Does the title of the car have to be in the same name as the car insurance?
If the car is in your friends name and you are the one buying the insurance it’s not a big problem. Just make sure you insure both you and the possessor of the vehicle. The owners name must show up as a named insured for property loss purposes otherwise the policy is null and void and no property loss payment could be made. ResponseThe insurance must be in the same name as the person who wields the vehicle. An insurance policy and application together make up a legal contract. If you insure a vehicle that you do not own and have a claim the insurance company cannot pay you for damages because it is not your car, and they cannot pay the holder of the vehicle because they have no contract of insurance with them. By lounging on the application, you have also committed material misrepresentation and insurance fraud and thus the insurance contract is therefore null and void.
Do you have to have car to get insurance?
No, you can get a named insured policy that just covers you and possible vehicles you may drive.
When can you get insurance on your car?
Hi, When you buy a car you have to do an insurance very first. So thatyou can’t face any problem in future. Nowadays, there are so manyinsurance companies available. But you have to choose the best onewho provides you best policy. I know a company My Money Comparison,which help consumers to compare a broad range of products &services to enable them to make more informed decisions based ontheir individual circumstances & budget. Thanks.
Can a car titled in your name be insured in another?
Yes, it can be. It may depend on the policies of the insurance company, but yes, it is possible. For example, my fiance and I have cars titled separately. But I purchase the policy which covered myself and him and both cars. Insurance varies by state, however, so it may be different depending on which state you live in. There are other variables too, that insurance companies consider when determining – where you live is a big one. If you live with the person purchasing the policy, that may be a determining factor not only in the cost of the policy itself, but in determining whether or not they will even permit it. Also, that other person purchasing the policy would be on the hook for policy increases based on your driving record.
Can i put my hubby name on my car insurance?
YES … You can add whom ever you like but, your insurance will go up how far it will rise depends on the add driver diving record and what insurance carrier you have …
What rights do you have if you have a car and insurance in your name but someone else has the car?
If you let someone drive the car and they did not come back it, then it indeed is a civil matter. Maybe opening up an insurance claim would speed up the process and get them to come back it. Another PerspectiveIf they have the carwithout your permissionand you are the foot proprietor then you have the right to take the car. In fact, you should take possession of the carinstantlysince you are on the hook for liability and damages if anything happens while they have it. Take your car keys to wherever the car is now and take it. Call for a police escort. Since whoever has the car must have keys you should inquire at the local police station what to do if they use their keys to take the car without your permission. If that happens you will need to file a stolen car report and press charges. On the other palm, before youloanyour car to another person you should call your insurance company to discuss your liability and coverage. If they cause an accident the possessor of the other vehicle may sue you. If they wreck your car and you don’t have collision coverage then you will be out of luck. You should make certain they have a valid driver’s license and a good driving record. If not, and they get pulled over, your car may be impounded. There are so many things that could go wrong and make you vulnerable to costly damages you need to determine the consequencesbeforeyou let someone else drive your car and
When do you have to have car insurance?
If you are driving a car or have it parked on a public street or parking lot then it must have insurance
Can you get car insurance on a car that is not in your name in Tennessee?
You cannot insure a vehicle that is not titled in your name. If you did and the car was totaled the insurance company would not pay you because you are not the possessor of the car and they cannot pay the true holder because they do not have a legal contract of insurance with the company.
Where can you get a insurance for a car?
Hi, You can get an insurance for a car from insurance companieslike My Money Comparison. Nowadays, there are so many insurancecompanies available but you have to choose the best one whoprovides you best policy with affordable price. Hope you get soon.Thanks.
Can I insure and register a car in my name if my name is not on the title?
I know you can put the car your insurance but to register a different story
Does the title of the car need to be in your name to get car insurance?
Not necessarily. Auto insurance is of several types. There is physical harm coverage, which pays for the repair of the vehicle if it is bruised. In order to obtain that, you must have an “insurable interest” in the vehicle. This means that you must have a stake in the continued existence (or good condition) of the car. Therefore a person who has loaned money for the purchase of the car with the car as collateral, has an insurable interest. That person may or may not be named on the title. There also exists liability insurance. This compensates an injured person or entity for damages resulting from an automobile collision that was not his/her/its fault. It also protects the insured from a claim for negligence by hiring a lawyer to defend any resulting lawsuit, and paying damages for which the insured is found to be legally responsible. It is not necessary to own a car in order to get liability coverage. A person can purchase “non-owners coverage” that provides liability protection regardless of the vehicle being driven.
Can you get car insurance on a car without the title in your name?
Insurance for Someone Else’s VehicleYes, You can Insure the property of another Person. So Long as you have authorization to do so and the possessor is benefited, or some other insurable interest in that property exists. An example would be a case where dad says ” OK, you can use my spare car but you gotta get your own coverage”. If You have permissive use from the proprietor of a vehicle, then obviously you have an insurable interest. However, Only the Legal possessor of the Property or the designated agent of the possessor can receive compensation for the property in the event of a covered property loss. If you are insuring for liability only then this is not an issue. If you buy total property coverage, Then Dad will be proud and glad you were prudent enough to fully insure his and your interest in the vehicle he loaned you. List all drivers for liability purposes and list dad for property interest. Another example would be almost every time we Rent A Car. When we purchase the daily insurance with the rental car we insure our liabilities in the use of Someone Else’s Vehicle. Yet another Example would be when a vehicle has been recently purchased and you are still in process of transferring the title. Naturally you can insure the vehicle so you can drive it while your working on the title transfer. Almost any Insurance agent can do this for you. You can not insure the property of another when no insurable interest exists. It would be unlawful to insure the property or life of another where the intent is to build up unduly from anothers loss. ResponseNo I don’t think you can because in order to register you insurance they need your name in the title. 🙂
What is all the car insurance companies names?
AIGAllstateAmerican FamilyAMICAAuto Clubs (AAA) EncompassErieFarm BureauFarmersGEICOHartford/ITT/AARPLiberty MutualMercuryMetropolitanNationwideProgressivePrudentialSafecoState Farm21st CenturyUSAA
Can you get your own car insurance even however the car is already insured in the owners name?
Yes, You may have more than one Auto insurance Policy on a vehicle. You can have Two or even Three policies on the same vehicle as well as an Umbrella Policy. It is not uncommon and is ideally legal to do so. What you can not do however is receive “Dual Indemnity”. That would be insurance Fraud and a felony offense in the United States. in other word you can’t seek dual payment from a covered loss or more simply, “you can’t get paid twice”. Here is the established Legal precedence on Insurance Policies of all types on all types of property in the United States. Policy 1 as PrimaryWhen a covered loss occurs and more than one policy exists insuring the same risks. The policy with the broadest scope of coverage is considered the primary Coverage and will invoke to cover it. Policy Two as PrimaryIf the loss incurred is not covered by the very first policy and is covered by a trailing policy then that policy steps up to Primary coverage for that particular loss. Policy Two as Secondary coverageIf and when the thresholds of the primary policy are reached or exceeded, the next active policy with the broadest scope of coverage will then invoke and act as Secondary coverage if coverage is afforded for the specified risk of loss. Policy Trio trailingIf a third policy exists then it will do so in the same order in consideration of coverage scope and specified risks. If an Umbrella Policy also exists, and this too is common, then it too will go after the exhaustion of any and all previous coverage afforded by active Primary or Secondary or even Third Place Coverage. It is permitted, It is legal and Court precedence has been well established more than 100 years ago as to which policies will apply and in what order. What you can not do is seek “Dual Indemnity” for any covered loss. That would be illegal and a felony offense in the United States.
Does your car have to have insurance?
Yes, your car has to have insurance as long as it is meant for theroad. In almost every country, you are obligated by law to get acar insurance. A car insurance is required even if the car is notbeing used on the road. The only escape route from getting a carinsurance is if it has been officially proclaimed as ‘off the road’.But before going to choose any insurance company very first compareCheap Car Insurance Quote by mymoneycomparison.com. Hope all willbe benefited.
Why do you have to insure your car?
so if anyone steals the car you either get the same car back or a downright fresh one that looks exactly like the one that was stolen
Is car insurance more if the car is in a business name?
yes insurance premium for vehicles used for commercial purpose is considerably more compared to that of vehicles used for private purpose.
Can you insure two car under your name?
Sure. There is no problem as long as you own both vehicles and list all household members and any other drivers on the application. Be very careful here, because if you do not list the drivers who drive the vehicle the insurance company can deny any claims due to material misrepresentation (lounging). You also cannot insure a vehicle that is not titled to you. If you add a vehicle to your policy that you do not own there is no coverage The amount of fraud that is occurring in these ways has compelled insurance companies to investigate claims more cautiously and deny coverage in these types of cases.
Can you get insurance on a car not titled in your name?
no you can’t Its not in your name so you can’t get insurance from a car that is not titled in your name
Can you get car insurance if your name is not on the registration?
By telling that your name is not on the registration, I assume that it also is not on the title. If you or your spouse do not own the vehicle you cannot insure it. It doesn’t matter how you ask the question. You must have interest in the vehicle to insure it.
Does your name have to emerge on your husbands car insurance policy I have my own car insurance for my car?
In most states, a spouse is automatically considered a ‘2nd named insured’ whether their name is on the policy or not. But you are likely paying more for auto insurance if you each maintain a separate policy in your own name. Some insurers won’t rate you as being married unless you list your spouse, which saves up to 30% over a single driver. Also, the multi-car discount for having both cars insured together is worth up to 25% in savings.
What do you have to have to get car insurance?
You will need the vin numbers on your vehicles, information on all the drivers and residents of the household, name and addresses of any leinholders that need to be notified, and just your address, phone numbers, etc.
Can you get your own insurance policy on a car that is not in your name?
Yes. You can put insurance on just about anything even if its not yours. Also that goes for life insurance as well.
What is the name of the Progressive car insurance lady?
The name of Progressive car insurance lady is Flo. Flo is a fictional character who emerges in Progressive’s commercials and played by the actress and comedian Stephanie Courtney.
Why doesnt Admiral Car insurance insure me as a named driver?
This is a question you need to pose to your insurance agent. If you don’t have an agent you need to have the policyowner call the 800 number and ask whoever answers the phone or whomever they transfer you to. Has the policyholder add you as a driver on the policy. If so it shouldn’t be an issue.