Can my dad lose his insurance if I own another vehicle?

Free Insurance Quote Comparison

 Secured with SHA-256 Encryption

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by

UPDATED: Feb 6, 2016

Advertiser Disclosure

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 Tacoma, WA

Asked on 02/06/2016

Can my dad lose his insurance if I own another vehicle? My car is insured through my dad's policy, he had to be added to my title in order to have the car covered. I am not even on the policy. I now own another vehicle, that I do not wish to have added to the inurance, that is in no way connected to my dad, meaning his name is not on the title of this vehicle. Is my owning the vehicle going to cause a problem for him and his insurance?

Answer given on February 08, 2016

If you purchase a new car in your name, you should insure it separately since it is your car. If your dad is not on title, it will have no effect on his insurance or his premiums.When you get the insurance in place for your new car, you should consider adding the other car to your insurance policy and remove your dad from the title. The only reason he was on title was so he could insure it under his insurance policy. Since you are getting your own insurance, adding your other car will give you a multi car discount and save you about 20% off of the premium. Then your dad will have no responsibility for either car.If your dad uses your car regularly, you can list him as a driver, but since he has his own insurance, that should not be necessary. Talk to your insurance agent or company about putting both cars on your insurance policy.

IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and AS IS. It has not necessarily been reviewed by the management staff of 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 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 to represent you.

Free Insurance Quote Comparison

Enter your ZIP code below to compare cheap insurance rates.

 Secured with SHA-256 Encryption