Teenager Auto Insurance Indiana
Reader’s Question:
My sixteen year old daughter has a vehicle that is titled under my name and I would like to know if we can get the title and automobile insurance under her name. We live in Anderson, Indiana.
Robert
Anderson, IN
I did not find any information in Anderson, Indiana on minors not allowed to title, register and insure the vehicle under their name but generally a minor that is under the age of 18 must title and insure the vehicle with their parents or legal guardian with them. You may check if you can put the name of your daughter in the title as the secondary owner of the car and once she turns 18, you can transfer the full ownership to her.
As for the car insurance in Anderson IN, car insurance policy is a legal contract and most insurance carriers would require that teens under the age of eighteen have their parents of legal guardian sign the contract with them. As a parent, you will be held liable for your daughter’s negligent actions. Although your daughter may be able to register and get insurance under her name, you will be responsible for her until she turns 18.
Student Car Insurance Indiana IN
Reader’s Question:
My daughter is 19 years old and is away at college. My insurance carrier in Anderson, Indiana gives better rates for students who are only at home a few weeks a year. What will be my liability if she drives a friends vehicle while away at college and gets into an accident?
James
Anderson, IN
State liability laws vary so it will depend upon those laws as to what your liability as a parent will be when your child is away at college drives someone else’s vehicle. When driving someone’s vehicle, with permission, the car’s insurance by the owner is primary and if that exceeds the owner’s policy limits the driver’s insurance would be the secondary.
Since your daughter is no longer a minor if she was in an accident that required insurance she would likely be held liable herself and not her parents but since state laws do differ I would suggest speaking with an attorney to check exactly what your parental liability might be in this case. You may also want to talk to your insurance broker in Anderson, Indiana to check if your current car insurance would cover your daughter at all, as secondary insurance, if she drives their car while away at college.
Car Insurance Company Indiana
Reader’s Question:
How many years do moving violations remain on your driving record in Anderson, Indiana?
Frances
Anderson, IN
The state of Indiana assesses point values to different traffic violations. These points can range from two points to eight points depending on the seriousness of the infraction. Points are then place onto your driving record and stay active for 2 years from the conviction date of the violation.
The Indiana Bureau of Motor Vehicles (BMV) the points may be disregarded after 2 years but the infractions stay on your motor vehicle record since IN state continues to track your infractions. If they find you have committed repeat traffic violations over a ten year period, Indiana will classify you as a habitual traffic offender. The Habitual Traffic Violator law for repeat violators provides for suspension of license of 5 years, 10 years, or life.
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