Eligibility

How do I get insurance if I'm not the owner of the car I'm driving?

Many companies will still insure you even if you're not the owner of the vehicle. However, they will likely want your father to be listed on your policy as an additional interest since he is the owner.

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Eligibility

Do we need to add our nanny to our auto insurance?

I would strongly advise not letting your nanny drive your kids without insurance. If she were to get in an accident, no coverage would be in place and she would have to foot the bill for damages to all vehicles and potential injuries for your children. Your nanny will need to get insurance for her personal and business use to adequately protect herself and your family. If you have any questions, feel free to ask.

Eligibility

Can my son insure a vehicle registered and with a loan in my name

The tricky aspect about this has to do with the loan and registration. Because the vehicle has a loan in your name, you will most likely be violating your loan contract by not having the insurance policy written for you.

Coverage & Claims

If my son was involved in an accident while driving my car, do I file a claim with his insurance company or mine?

Fault is actually determined by the insurance company based on the specifics of the crash. Auto insurance coverage generally follows the vehicle, but if you don't actually insure the car then he would need to file a claim with his insurance provider.

Car Insurance Costs

How do I help my father lower his rate if I'm on his policy and have accidents?

One thing to keep in mind is that accidents occurring more than 5 years in the past should have no impact on your current insurance rates, so you are definitely outside of that window. Concerning your speeding ticket, if you have not yet been to court then it most likely has not been added to your driving record, meaning you shouldn't be penalized for the violation if you purchase insurance coverage before your court date.

Coverage & Claims

If someone borrows a car and there is an accident, should the claim be filed with the driver's insurance or with the car owner's?

Ultimately, the decision to file a claim or not will be up to you and your dad. You can use our State of Insurance report to give yourself an idea how much an At Fault accident will affect your rates, but there is no way to tell with 100% accuracy until you are charged for the accident by your company.
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