Buying Insurance if you don't drive

[stockrex]

Can one own a vehicle and then buy insurance and assign someone else as primary driver?
how do go about buying insurance?

I remember many years back, on a project they bought a corolla for me and also paid for state farm insurance in my name.

 

[Olas]

Phone which ever insurance company you want to use, and tell them you want to insure your friend to drive your car.

They'll take his details, and the car details, and when it comes to pay give them your credit card number. Simple.

 

[Donald]

I think as long as you own the vehicle you can buy insurance. What is difficult is buying insurance when you do not own a vehicle.

 

[abycat]

Here you need a drivers license to insure a vehicle. If you do no big deal just list someone else as the primary driver. That's what I do with the car.

 

[eljefino]

I'm curious how registration renewal would go without having your name on the insurance card.

If you just want to "own" the car, list yourself as lienholder on the title, it will come to you in the mail, while the car will be registered to whomever you want driving it. They'll have the liability of parking tickets, skipped tolls, etc.

I have to be the first to ask, what's the purpose of these shenanigans?

 

[Al]

What are you really to acomplish?? Owning the vehicle and not having yourself insured and instead having someone insured.

If that is your plan talk to a lawyer. You may ultimately be the person of last resort in the event of a seriousj accident.

I know this bc I stayed at a Holiday Inn last night.

 

[Donald]

I am sure there are rich people who own one or many cars and insure them all and hire a driver. Doubt they would want to have the drivers name on anything to do with owning the cars. he might be listed on the insurance however.

 

[HerrStig]

Originally Posted By: Donald
I am sure there are rich people who own one or many cars and insure them all and hire a driver. Doubt they would want to have the drivers name on anything to do with owning the cars. he might be listed on the insurance however.
Blind folks often own the car but hire a driver.

 

[Joe_Power]

I remember after my 3rd DUI, I lost my liscence for a year. And I had to still maintain insurance for that year. I'm not sure, but I think it had something to do with an sr-22. That was years ago, when I was young and a little bit dumber.

 

[Wolf359]

Originally Posted By: Joe_Power
I remember after my 3rd DUI, I lost my liscence for a year. And I had to still maintain insurance for that year. I'm not sure, but I think it had something to do with an sr-22. That was years ago, when I was young and a little bit dumber.


Not sure what you're really saying. If you have a loan on the car, the lender always requires insurance on the car whether you drive or not. If the car is parked on the street, it has to be registered and insured. If you send the plates back and park the car in a garage and there's no loan on it, then you don't need insurance on it.

 

[CKN]

I talked to a lawyer about this very subject when I had teenage drivers, since I have assets to protect. Ultimately, as soon as my kids turned 18 the car I provided them went in to their names and I was off the registration. When they are minors and they get in an accident, you could be sued either way. Even transferring the car, it's not 100% foolproof, since my name was on the insurance policy.

The only way I could not be liable was to get them their own insurance policy. That was cost prohibitive.

Ultimately, if the OP wants to wash himself 100% off of the liability-the car and insurance should be in whomever is driving the car.

Seek your own legal advice since the above advice is exactly worth what you paid for it.

 

[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 ;-)

 

[CKN]

Many rental car companies won't rent a car to someone under 25 years of age. BUT-some rental car companies waive this if you work for a major corporation-they figure they will get their money in an event of a loss.

 

[CKN]

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.

 

[Olas]

Give the money to your mum, and let her make the phone call. It's her car so she can insure whoever she wants to drive it, right?

 

[Al]

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.

Its not that complicated. She buys the car...its in her name....she insures the car...bc the car is in her name. If the assistant gets into an accident..the mother and her insurance is liable. That's the way it is. She can buy suficient insurance toi cover the liability and select a good driver.

Am I missing something??

 

[The_Eric]

Originally Posted By: Al
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.

Its not that complicated. She buys the car...its in her name....she insures the car...bc the car is in her name. If the assistant gets into an accident..the mother and her insurance is liable. That's the way it is. She can buy suficient insurance toi cover the liability and select a good driver.

Am I missing something??



I think you've got the jist of it.

I'd add that when she buys the policy, she would simply add whatever people to the policy as authorized users. The insurance co would then likely structure the cost of the premium around the driver who is the youngest and/or has the worst driving record. If neither, then likely no big deal.

 

[stockrex]

The problem is that they WON'T give her a policy as she does not drive as she is disabled. Adding drive is NOT the problem.

what the guy on the phone told me is that she has to be a listed drive inorder to buy the policy.
it is like saying Stevie Wonder - Primary Driver
Steven Hawkins - additional driver

I will never allow anyone who is not listed as auth driver who is not part of the household to operate any of my vehicles and same goes for my mother.

I want her to have the correct coverage for the temp.

 

[The_Eric]

Have you tried calling other insurance companies?