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?
Free Insurance Quote Comparison
Secured with SHA-256 Encryption
UPDATED: Mar 3, 2017
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 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.
IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com 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 FreeAdvice.com 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 AttorneyPages.com to represent you.