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Auto Insurance Question
Posted on 2/27/26 at 9:13 am
Posted on 2/27/26 at 9:13 am
Forgive me if i’m a dumbass and this is something everyone knows. I recently changed my auto insurance. When i looked at the cards, i noticed the coverage is in my name for both my 20-year-old kid and myself. However, my kid’s car is in his name. I gave the agent all the info. Is this legal and will my kid be covered in an accident? Did the agent do it that way to save money or was it an oversight?
3
Posted on 2/27/26 at 9:22 am to Rick9Plus
write a policy strictly for him stand alone.
down side is you won't get a multi car discount but separates the liability.
he's probably on policy as a driver. Drivers aren't listed as named insureds on id cards.
down side is you won't get a multi car discount but separates the liability.
he's probably on policy as a driver. Drivers aren't listed as named insureds on id cards.
Posted on 2/27/26 at 11:10 pm to Chad504boy
quote:
write a policy strictly for him stand alone. down side is you won't get a multi car discount but separates the liability. he's probably on policy as a driver. Drivers aren't listed as named insureds on id cards.
I have the highest level of liability coverage for both cars, plus it’s part of a bundle to save on homeowners. My main question is if it’s legal. As in if it will actually count if the policy and the title are in different names. But i’ll also check to see if i can separate the policies, get my son a lower liability, and still save money while also separating his liability from mine. Though he does drive like a grandpa.
Posted on 2/27/26 at 11:36 pm to Rick9Plus
I wouldn’t think there’d be anything illegal about it. My 24 year old is on our policy.
Posted on 2/28/26 at 6:56 am to Rick9Plus
Don’t think you can separate the liability if your son is considered part of your household ( living at home or a student away at college).
Posted on 2/28/26 at 9:53 am to Rick9Plus
Yes, you can Insure the vehicle even if the title is in his name.
ETA: happens all the time when a family member buys a car for another family member because they have better credit to get a better interest rate.
ETA: happens all the time when a family member buys a car for another family member because they have better credit to get a better interest rate.
This post was edited on 2/28/26 at 9:55 am
Posted on 2/28/26 at 8:03 pm to Rick9Plus
quote:I would say it depends on the carrier and you should confirm with your agent and get something in writing (email). But I know of several carriers who will allow you to insure another vehicle that’s titled to a different member of your household. They have a way to list the registered owner’s name for that vehicle when its different than the named insured (policy holder), though I think that’s mostly to help ensure accuracy with DMV reporting to avoid an erroneous no-insurance flag from the DMV.
As in if it will actually count if the policy and the title are in different names.
Posted on 2/28/26 at 8:10 pm to JackandWater
quote:If the son owns his vehicle in his name, he can have his own separate policy. But if he still lives at home, then he’s still going to be required to be listed on his parent’s policy as either a rated or excluded driver. Applies vice versa to his parents needing to be listed on his policy also. All drivers residing in the household would need to be listed on each other’s policies, along with anyone else who may drive the vehicle regularly.
Don’t think you can separate the liability if your son is considered part of your household ( living at home or a student away at college).
This post was edited on 2/28/26 at 8:10 pm
Posted on 3/2/26 at 6:35 am to Rick9Plus
State farm is probably OK with your current setup.
But I would get confirmation in an email.
If the insurance company wanted to be an arse in the future about this, they could. "Material misrepresentation" to insure the wrong vehicle on your policy. It could lead to a policy cancelation and denial of claims.
Again, I think State Farm is OK with this. Their customer management system blends households in ways that make it difficult to unwind connected policies (even after your kids leave). But accidents are too expensive to not CYA.
But I would get confirmation in an email.
If the insurance company wanted to be an arse in the future about this, they could. "Material misrepresentation" to insure the wrong vehicle on your policy. It could lead to a policy cancelation and denial of claims.
Again, I think State Farm is OK with this. Their customer management system blends households in ways that make it difficult to unwind connected policies (even after your kids leave). But accidents are too expensive to not CYA.
Posted on 3/3/26 at 8:35 am to Rick9Plus
They probably did it to give you a multi car discount or to give him the home discount on his car. Yes, if he has an “insurable interest” in the car it’s fine for him to be listed. However, I’d call and change it if it bothers you or you think it’s not right.
Posted on 3/3/26 at 8:37 am to Slickback
Also, in the event of a total loss, the check may be made out to both of yall, requiring both signatures, which can just cause extra headaches at the time.
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