Teenager Auto Insurance and Vehicle Title
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.
Is my Car Covered if my Car Insurance Lapsed?
Reader’s Question:
Is my car covered if my auto insurance lapses in South Bend, Indiana? How long is it covered for?
Larry
South Bend, IN
With car insurance, there is no grace period. Normally if you do not pay then your car insurance policy will cancel at 12:01 AM of the day listed on your payment notice or expiration date from your automobile insurance carrier. If you do not pay and your car insurance lapses you do not have any insurance coverage. There is no grace period for you to be covered for you to obtain a new car insurance policy or reinstate your insurance policy.
If you let your auto insurance lapse and your insurance company reports this to your state’s Department of Motor Vehicles, which is required in many states, then you can face fines and penalties for disregarding car insurance laws. In most states you need to turn in your license plates and registration if you cancel or have a lapse in car insurance. If you do not do so then your driver’s license and registration can be suspended for a period of time. Some states just require you to pay a fee and show proof of car insurance after a lapse.
Do not let your car insurance lapse in South Bend, Indiana as much as possible. If it does and you are caught driving without car insurance or even worse at-fault in an accident you will face penalties for driving uninsured and be held personally liable for the damages you have caused since you did not have any auto insurance in effect.
Adding a Vehicle in your Car Insurance Policy
Reader’s Question:
Is it legal for someone to put a friend’s car on their auto insurance when they do not own the vehicle and it does not reside at their house? My cousin is doing this in Muncie, Indiana and I think its a bad idea.
Don
Muncie, IN
Yes you are right. It is a bad idea a lot of reasons. If the insurance carrier is not notified of who the real vehicle owner and main driver is, presumably the friend, then the person obtaining an insurance policy in this manner could in fact be illegal. Without your cousin having insurable interest in the car it may difficult for your cousin to insure the friend’s vehicle anyway.
In many states, such as Indiana, putting a vehicle on your insurance policy in order to save money in this manner could be considered insurance fraud. It would be misrepresenting the information to say that the vehicle was his and residing at his house if it really is his friends and is garaged at his friend’s house. His friend’s driving history should be part of the rating process since he is the owner of the car and driver in Muncie, IN.
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