Do you need to carry insurance on a vehicle owned by your parent that’s registered in another state?
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UPDATED: Nov 18, 2014
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Insurance Question from Toledo, OH
Asked on 11/18/2014
Do you need to carry insurance on a vehicle owned by your parent that’s registered in another state? I own a vehicle currently being used by my adult son. The vehicle is registered in Ohio (where the owner resides) but is being driven in Florida. Does the Florida driver (who does not own any vehicle) also need to carry insurance on the vehicle? or does the driver just need to carry Liability Insurance?
Answer given on November 19, 2014
The owner of a car should insure that car and list the driver who will be using the car on a regular basis. Most insurance companies want the car to be insured where it is garaged, since states have differing laws regarding insurance. Even though you live in another state, you can have the mailing address at your residence, but insure the car in Florida. The driving record of your son will be considered when the car is insured. Also, many insurance companies only insure drivers who are listed on the policy, so again be sure to list the drivers of the car.Another issue for insuring the car where it is garaged, some states are “no fault” states, which is a different type of insurance. Florida is one of the no fault states, so again, insuring the car in the state where it is garaged is the best way to handle the insurance.
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