Hi guys…
I’m in a bit of a unique situation and could use some advice. My son is going abroad for about 6 months, and during that time, I’ll be driving his car. I want to make sure I’m properly insured while driving his vehicle.
I’ve read a bit about non-owner car insurance and adding myself to his policy, but I’m not entirely sure what the best approach is.
Hi! For driving your son’s car while he’s abroad, you have a couple of options. Adding yourself to his existing policy is usually the simplest and most cost-effective approach. This way, you’ll be covered under his policy, and you won’t need to worry about separate insurance. If adding yourself isn’t possible or if you prefer a separate policy, non-owner car insurance might be a good option. This type of insurance covers you while driving vehicles you don’t own, but it typically doesn’t cover damage to the car itself. Check with your insurance provider to see which option is best for your situation and ensure you have the appropriate coverage for both liability and any potential damages.
If you have indeed “added insurance for a car which is title to your son” you demonstrated you have an insurable interest in the vehicle to your insurance provider. Meaning, that you are currently the named policyholder for the vehicle. In such a scenario you would be paid should your son be involved in a not-at-fault accident. Or, you and your insurer would have to pay the other motorist should the accident be determined to be the fault of your son. However, and this is a big however, why is your son not named as a driver on the policy? Because if he is not, and he was involved in an at-fault accident, your insurer may not honor the claim. Hope you are tracking, especially on the latter.
Hi.
Ensure proper insurance by adding yourself as a driver on your son’s policy or getting a separate policy for the car. Verify coverage limits and notify the insurance company of your extended use.