Originally Posted By: stockrex
holy cannoli,
I don't get it, why it so flipping complicated, I called my insurance co and they said NO.
How do corporations without drivers lic, buy insurance for their employees?
Anyway,
where is the need, my mother wants hire an assistant this summer to assist her with her tasks, she is disabled. We are thinking of buying something she can get in and out of easily and titling it her name (as she is paying for it) and then buy insurance and put myself and the would be assistant on the insurance as auth drivers with her own umbrella policy.
I want to segregate this from my own policy.
I agree, I don't want to be liable and her own policy is the way to go.
My discussion with the insurance co was quite entertaining, they kept asking if she has a drivers lic, I kept saying she is disabled and does NOT drive.
getting frustrated, need to find my Viagra, oh sorry wrong pill, I mean Prozac ;-)
If you could keep your name off the insurance policy it's better for you. I would assume your own policy covers you when you drive anybody's car-so it's not an issue driving her around or taking the car in for service.
That way in the event something happens (liability wise)when the assistant is driving you don't exist in her world. In the worst case scenario there is always civil remedies available to anyone who is sue happy.
Also, when I bought an Umbrella coverage-I had to up the coverage on my Auto policies. I don't know if you can use an umbrella policy to cover an automobile WITHOUT having an auto policy first.
Your right-it's complicated.