I am an uninsured motorist but covered on sisters insurance ..she says…but tells me I need my own coverage…can you have 2 polices. On 1 car

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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: Jan 22, 2016

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Insurance Question from Chester, IN

Asked on 01/22/2016

I am an uninsured motorist but covered on sisters insurance ..she says…but tells me I need my own coverage…can you have 2 polices. On 1 car I have been driving my sisters car for years and on her insurance. she text me yesterday and told me that I am an uninsured motorist at this time but covered on her insurance that if I was to have an accident her rates would go up and if I would get sued she would be responsible so I need to get my own coverage on the car while she has a policy .  Is it possible  to get coverage and if so would I get full coverage. I am in the state of indiana. I think it would be less confusing and cheaper to have me as an insured motorist on her polucy

Answer given on January 24, 2016

In auto insurance the insurance needs to be purchased by the registered owner of the car. An additional person can be listed as a driver, but the insurance is to protect the registered owner. If the additional driver causes an accident, the liability would be deemed to be that of the registered owner, and it would be their responsibility for any damages or injuries.You will need to become the registered owner of the car for you to purchase insurance on the car. If your sister does not want to give you the car, and you are listed as a driver, then your record will have an effect on her insurance rates. You are technically not an uninsured driver since you are listed on her policy and you do not own a car.It is possible that you can purchase “non owned” auto insurance, but it would still be your sister’s insurance that would respond in the event of an accident involving her car.

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