Can someone get insurance on a vehicle when their name is NOT on the title?? The insurance is in VA. My husband owns the car and was letting his little bro drive it, but we've removed the insurance and told him NOT to drive it, and found out that he has put insurance on it with his insurance company! Is this possible or legal even?
2006-12-21 08:55:15 · 16 answers · asked by jnmhuddleston 2 in Cars & Transportation ➔ Insurance & Registration
Yes, it's possible, but if the insurance company were to find out that he does not own the vehicle, they would cancel insurance on the vehicle. There has to be insurable interest on your brother in-law's behalf for him to get insurance on it. People insure vehicles they don't own all the time. They tell the insurance company when getting the policy that they are the owner. But they can get into trouble when the truth comes out later.
2006-12-21 09:23:25 · answer #1 · answered by Chris 5 · 0⤊ 0⤋
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RE Car insurance question?
Can someone get insurance on a vehicle when their name is NOT on the title?? The insurance is in VA. My husband owns the car and was letting his little bro drive it, but we've removed the insurance and told him NOT to drive it, and found out that he has put insurance on it with his insurance company! Is this possible or legal even?
2014-10-06 22:12:48 · answer #2 · answered by Mattheus 1 · 0⤊ 0⤋
You can put a car you don't own on your policy.
But if there is a claim, the insurance company won't have to pay as their is no "insurable interest". That means you would have to suffer a financial loss if there was a claim. If you are not the owner, you can't suffer a financial loss, there is no insurable interest, claim denied. That's why I don't insure your stuff and you don't insure mine.
There can be an exception for relatives living in the same household, but each company can treat that differently. Ask your agent.
Hope that helps.
2006-12-21 09:25:17 · answer #3 · answered by john b 1 · 0⤊ 0⤋
I'm not sure I agree with everyone else. In order to insure something(car, house, whatever) you need to show that you have an insurable interest in the vehicle (you own it, or at least some of it).
I guess, technically, he can go to an insurance agent and insure the car but if they find out that it isnt his they will cancel the insurance. Once the policy is issued the insurance co will check to see if it is registered in his name. If not, they will give him 30 days to do so or they will cancel.
In order to get registration in his name, he needs to prove ownership. Therefore, he cannot insure a car he does not own. At least not for vey long.
He may have slipped throught the cracks but I would notify the insurance co. if you know who it is.
I am speaking from experience in NY. I'm assuming other states should be relatively the same.
I work for an auto insurance co and we always run a motor vehicle report, claims report and registration report on all vehicles we insure. If it turns out that the car is not registered in our insureds name, they get 30 days to cancel.
Good luck.
2006-12-21 10:57:58 · answer #4 · answered by NY1Krr 4 · 0⤊ 1⤋
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RE :Car insurance question?
Can someone get insurance on a vehicle when their name is NOT on the title?? The insurance is in VA. My husband owns the car and was letting his little bro drive it, but we've removed the insurance and told him NOT to drive it, and found out that he has put insurance on it with his insurance company! Is this possible or legal even?
Follow 15 answers
2016-08-14 05:11:29 · answer #5 · answered by Rickert 6 · 0⤊ 0⤋
No it is not legal. I would contact the insurance company that he got insurance through and tell them that it is not his car. Usually you have to provide a registration to even obtain insurance. His agent may not have even known that his name isn't on the registration.
If you aren't driving the car why don't you de-register your vehicle that way if he gets caught driving the car he'll get a ticket for it. Or even just removing the license plates all together.
Good luck!
2006-12-21 11:57:35 · answer #6 · answered by Anonymous · 0⤊ 1⤋
Yes it is legal. This is for people who drive others cars regularly such as a child borrowing his parents car while away at school. Anyone can insure any vehicle regardless of the owner. You can cal you state insurance board to see if there are any reprecussions in your state that your brother in law may seffer becasue he insures a car that you don't want him to drive. You could also look into pressing charges of unauthorized use against him.
2006-12-21 11:42:46 · answer #7 · answered by Anonymous · 0⤊ 1⤋
Sure it's legal. If you don't want him to drive it, your only option is to take it back.
By the way -- his little bro is the responsible one here. You and your husband are NOT! As you are the legal owners, you can be held liable for any damage done by the car. Had there been an accident when it was uninsured, YOU could have been financially devastated.
2006-12-21 10:12:01 · answer #8 · answered by Bostonian In MO 7 · 0⤊ 0⤋
Yes they can. I had insurance on my car before I picked it up (in WI keep in mind, I dont know VA laws) This does not, however, give him ANY legal right to drive the car. If he drives it, report it stolen.
2006-12-21 09:51:12 · answer #9 · answered by Urban Informer 3 · 0⤊ 1⤋
Apparently so in your state since he obviously did. However, if he doesn't have your permission to drive the coverage will be void. If you don't want him to drive say to him "We don't want you driving this car" and take his keys away. If he continues to drive it, report it to the police as a stolen vehicle. You might also contact the insurance and tell them he does not have permission to drive your car.
2006-12-21 11:24:02 · answer #10 · answered by oklatom 7 · 0⤊ 1⤋