The car is registered in my name but I moved to other states due to work. I left the car to my 20 yr. old son in TX.
He is a licensed driver and he is an added driver in my insurance but it is about to expire. He has a TX ID and I have now a new ID from the States I lived in. Is it possible to renew my car insurance then?
2007-01-20 05:27:17 · 7 answers · asked by garutay 1 in Cars & Transportation ➔ Insurance & Registration
The car is registered in my name but I moved to other states due to work. I left the car to my 20 yr. old son in TX. He is a licensed driver and he is an added driver in my insurance but it is about to expire. He has a TX ID and I have now a new ID from the States I lived in. Is ist poosible to renew my car insurance then? Or is it possible for me to insure the car though it is registered in TX.
2007-01-20 06:22:24 · update #1
If it's about to expire, they have sent you a bill, and if you pay it insurance will probably continue. But you are in an iffy situation, one of the things you promise to do when you sign up for insurance is to tell them of any changes that would affect them. Obviously you have a new driver's license, and aren't the primary driver of the vehicle any more. Why not tell the insurance company the situation, and let them make whatever changes they need to make. Perhaps it would make sense to sign the car over to your son.
2007-01-20 05:56:24 · answer #1 · answered by oklatom 7 · 0⤊ 0⤋
The car must be insured in accordance with the laws of the state for which the car is licensed and registered. If there is a Texas tag on the car, then it needs to be insured in accordance with the laws of Texas.
Being added as a driver to a car insurance policy is not the same as being a named insured. A driver simply means that the person named as a driver has access to the car and may occasionally drive it. Insurance coverage may or may not apply to the driver, in accordance with state laws.
In Florida, I could name my next door neighbor (or anyone else) as a driver if I wanted, but certain coverages would not apply to the driver if they are not a household resident relative (meaning they make their home with me and normally reside at my residence, and are related to me by blood, marriage or adoption). As your son is not a household resident relative (being that you live in two different states) there could be coverages that would not apply to him if he were involved in an accident.
A named insured is someone who is fully insured under the policy. There can be more than one named insured on a policy, and the named insureds do not necessarily have to be household resident relatives.
In order to make sure your son is fully insured under the policy, you will need to add him as a named insured and pay any additional premium that may be owed for having an additional named insured on the policy.
2007-01-21 10:03:41 · answer #2 · answered by scaminator63 2 · 0⤊ 0⤋
Just make sure that your insurance company is aware of all of the facts. If they agree to cover the car, you're good to go.
I've done exactly that with my son. There were no problems at all, as long as the insurance company had the correct information. They issued insurance cards for both states without any question at all. The coverage for the car my son was driving reflected where it was located and he was listed as the primary driver on it.
2007-01-20 14:20:04 · answer #3 · answered by Bostonian In MO 7 · 0⤊ 0⤋
If your insurance doens't know you moved then they will have no problem reissuing it to you. But if your son has to go on his own insurane WATCH OUT... his insurance will sky rocket w/ out your name as the primary.. Personal Experience!! I have a clean record, I am 21, Never had a speeding ticket or accident, I am still paying sky high for my insurance, for two tickets I got three years ago.. I even paid the points off!!! Don't ever plea bargain with a prosecutor.. I know first hand it doesn't do ANYTHING to help your insurance by getting those points off. I took a left hand turn where I wasn't sopposed to , I got a ticket.. Now my insurance is 600 more a year. Scumbags that run this system!
2007-01-20 14:52:38 · answer #4 · answered by Anonymous · 0⤊ 0⤋
That shouldn't be a problem at all. I would even contact the same chain of insurance company in the state you are in now and ask them.
2007-01-28 12:25:04 · answer #5 · answered by jewels 2 · 0⤊ 0⤋
Nope, kids must live in the same household as the primary insured.
2007-01-20 13:31:49 · answer #6 · answered by Don W 6 · 0⤊ 1⤋
check with your insurance co. see what other states they may be listed in.
2007-01-20 13:37:57 · answer #7 · answered by Jim 2 · 0⤊ 0⤋