Can You get Insured for a car thats not yours?

Question

My girlfriends car is un insurenced and she got her L's suspended can i get insurence if im driving her car now?

Answer 1

Yes, but you have to prove right-of-possession. If she is giving you care, custody, and control, you register the vehicle, and insure it in your name, she retains title. You sign aan agreement. Check with the DMV on the document they require, as there are more than one type. the most common are "Agreement Between Parties", which is like a lease agreement where no money changes hands, and "Right Of Possession", which is usually used when a small business gives an employee a car to use, but doesn't register and insure it in the business name.

Answer 2

Yes, you can legally get insurance on a vehicle you don't own. In this case you _do_ have an insurable interest in the vehicle. If the vehicle is lost or damages, you will suffer a loss in that you were using the vehicle to get things done in your life. Many people think you have to own a vehicle to have an insurable interest. That is not the case. Also, insurance companis never ask about ownership when writing a policy on the vehicle. If they don't ask, you don't lie, and the vehicle is damaged... the carrier still needs to pay as they elected to offer the coverage, you paid the cost of the policy and they never bothered to even ask if you owed it.

If you want to have coverage for damage to the vehicle your driving, you will need to obtain an normal policy with comprehensive and/or collsion as well as liability. If you only want liability coverage for _yourself_ while driving a vehicle you don't own, the correct policy is a Non-Ownes policy. This would provide _you_ _only_ liability coverage when driving anyone elses vehicle. Now that I think about it... you probably don' want a Non-owners policy as your girlfriend is the owner and if you hit someone, she as the owner could be held responsible (depends on the state the accident happens in).

Answer 3

If you own a car, and have your own insurance, in most cases you are insured driving someone else's car. I would talk to your carrier first though.

If you don't have a car, then you will pay for it through the nose if you try to get it for her car that you don't own. They sell an insurance for people that lost their license for driving drunk. That insurance covers anything they drive, but it costs a lot...

Since her license is supended, I am sure that her insurance company has already cancled the policy....

Answer 4

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Answer 5

my daughter in law drives my car now, II can't transfer the title because I have a car loan. Can my daughter
in law get her own insurance on the car sinse she is the driver

Answer 6

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RE Can You get Insured for a car thats not yours?

My girlfriends car is un insurenced and she got her L's suspended can i get insurence if im driving her car now?

Answer 7

i was BUYING a car and i had insurance on it in my name. the owner was not insured then , but i was and any other driver of the car. , it was so cheep that i couldn't believe it- state farm insurance. I'm in a rural area and they even have a (hitting deer ) policy included and free tows. it's the best I've ever had! so yes!

Answer 8

No. You do not have an insurable interest.
The car is in her name, so, you are out nothing if the car would be destroyed.
Even though her license is suspended, it is her responsibility ito insure the car.
Were she your wife or sister,, it may be different, but she is nothing, legally, to you, just a friend.

Answer 9

No. But she can get the insurance, with her as an excluded operator, and list you as the primary operator.

The name on the title, insurance policy, and registration all have to match.

Answer 10

Insurance (in Australia) is vehicle-based rather than driver-based and the owner has to get the insurance.