Can you insure someone else’s vehicle for a short period of time?

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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...

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UPDATED: Jul 1, 2012

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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.

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