This might be a simple question, or a question best left to insurance companies. How do I get insured for a car that isn’t mine? I was recently dropped from her insurance because I had too many points on my record and it would cost a lot for me to be insured under her name. Will it be cheaper if I was insured on my own? Any knowledge on car insurance would be great.
5 Likes
If you don’t own the vehicle, you can’t insure it.
5 Likes
It won’t be cheaper for you to handle this on your own, as you’ll likely end up with high-risk carriers, which are generally more expensive. Another option is non-owner liability insurance. While this won’t cover your mom’s car, it will provide the basic coverage required by your state. If your mom allows you to continue driving her car, she risks losing it if it’s totaled or having to pay for any damages out of pocket. Your poor driving has led to this situation, and it might be worth considering if you’re ready to handle a 3,000-pound vehicle responsibly.
4 Likes
Bro, I can’t just stop driving forever. Do you know how long points typically stay on your record?
4 Likes
Each state has its own rules, but where I live, the timeframe is 2 years.
4 Likes
It depends on the state. My state is 2. Oregon is 5. Utah is 3. California is 3.
3 Likes
It’s time to switch to a moped, my friend. Society doesn’t want you driving a heavy car that puts everyone at risk. Consider this your sign.
3 Likes
Man, how can I improve my driving skills? I need to get to work, school, and other places.
2 Likes
Do you live with your mother? Has her insurance required her to exclude you as a driver?
If you’ve found out that you can’t insure her vehicle, it means you’re not allowed to drive it at all. If you do drive it and have an accident, she could be sued and lose everything because there would be no insurance coverage, and she would be liable as the car owner.
If you can’t afford insurance for yourself, you shouldn’t drive. However, if you can buy an old, inexpensive car and get liability coverage, you might be able to drive, although it will still be costly. You can consult with a broker to get quotes on the insurance for cars you’re considering to ensure you can afford it before you purchase. It might mean spending a lot of your money on insurance, but it will serve as a strong reminder to drive responsibly.
2 Likes
No, I wasn’t forced off her insurance; it was simply out of her budget. I received a hefty speeding ticket on the highway, which felt unfair since I was driving at the same speed as everyone else, but I’m still a bit frustrated about it. I believe I can still get insured, but I’m not sure how. I was also curious about how long it usually takes for a speeding ticket to stop impacting my insurance rates.
1 Like
She can’t simply remove you from the policy because she wants to avoid the cost. If you live there or have regular access to her vehicle, you must either be listed as a driver or explicitly excluded from coverage if that’s an option in your state. Removing you just to save money constitutes insurance fraud and could void her policy, leaving her without valid coverage.
Tickets and accidents typically remain on your record for 3 to 5 years.
You both should meet with an agent to ensure you have valid coverage before any issues arise. Their services are free to use; just search for “independent agent near me” on Google.
1 Like
Why didn’t you take responsibility and pay the premium to stay insured under your mom’s policy? If you don’t, you should consider stopping driving altogether. Getting a car in your name and purchasing your own individual policy will likely be much more expensive than just covering the premium to remain insured on her policy.