I need to insure a vehicle in Oklahoma that I just bought. I’m listed as a driver for use of my fathers vehicle on his in Missouri. Is this legal?

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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: Mar 3, 2017

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Insurance Question from Inola, OK

Asked on 03/03/2017

I need to insure a vehicle in Oklahoma that I just bought. I’m listed as a driver for use of my fathers vehicle on his in Missouri. Is this legal? When filing for a quote on insurance websites it asks if you're already insured. Are they asking if the vehicle I am trying to insure now is already insured or if any vehicles are already insured? I do not own the vehicle that I'm listed as a driver on. It is his policy, do I need to include this information?

Answer given on March 11, 2017

Apparently you do not currently own a car of your own. Since you are listed on your father’s nsurance, even if in a different state, you should tell the new insurance company about that insurance since it does show that you have been insured previously. You should add the information that you do not own the car, only that you are listed as a driver. Since you are shopping online you may want to see if you can “chat” with a representative of the insurance company that you are interested in buying the policy from. They can ask additional questions to make sure that you are eligible for the premium you are seeking and to clarify any questions you may have. It is always better to give extra information rather than withholding the information as it could come back as a problem and you could end up being cancelled for failure to disclose information. You may have to provide the name of the insurance company and policy number where you are currently covered but that should not be a problem.

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