I have a car I let my son use, it has a loan on it and hes does not live at home. How should I insure this car the right way.

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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: Nov 3, 2013

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Insurance Question from Greenville, NH

Asked on 11/03/2013

I have a car I let my son use, it has a loan on it and hes does not live at home. How should I insure this car the right way. NULL

Answer given on November 06, 2013

If you allow your son to use your car on a regular basis, you should tell your insurance company that he is a driver, even though he does not live in the household. The insurance company will rate him as the principal operator of the car and will rate the car based on his age and driving record. If you allow your son to occasionally use the car, you really do not have to advise the insurance company of this, since he is not a member of the household. If he causes an accident, your insurance company will pay for the damages and injuries caused in the accident, since insurance follows the car.However, if there is an accident, the insurance company may then ask that he be added to your policy. You can explain he does not live at home and only occasionally uses the car. That may satisfy them.


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