Can you insure someone else’s vehicle for a short period of time?
Free Insurance Quote Comparison
Secured with SHA-256 Encryption
UPDATED: Jul 1, 2012
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
Insurance Question from Saint Marys, GA
Asked on 07/01/2012
Can you insure someone else’s vehicle for a short period of time? I plan to borrow my father's car for a trip with my family. He has full coverage, but I'm not on his insurance. He asked me to put his car on my insurance policy for the week I intend on using it. Is that possible?
Answer given on July 02, 2012
Auto insurance follows the car, so the insurance on the car will apply even if the car is borrowed by someone, even a family member. If, while you are using the car, there is an accident then the settlement will be through your father’s insurance policy. The only way you could put the car on your policy would be to also be on title. If you have no insurable insurance in the car, then you really can’t insure it. Also, if there is duplicate insurance on the car, the owner of the car will be the responsible party for any incident that occurs.It may be a good idea to add you as a driver to the policy, to be sure the isurance company is aware of your use of the car. Talk to the insurance agent or company and explain what is occurring. This should not be a problem with the insurance company unless you have an unacceptable driving record.
IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.