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Can you have your mother insured on your car without being on the policy yourself?

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2015-07-15 18:45:47
2015-07-15 18:45:47

Yes, but in order to avoid coverage issues, you need to consider a few things:

1. If you and your mother live together, it would be best if your mom listed your vehicle on her policy. Otherwise, her carrier will most likely deny coverage because the vehicle is a owned by a resident relative (you). The reasoning behind this is that insurance carriers have a right to know about the risks they're insuring, which in this case would be your mom's access to a different vehicle.

2. If you two don't live together, and your mom just borrows your car occasionally, you might run into some problems, but it's not as serious. Still, your own coverage on the car will be primary (insurance almost always follows the car). So, if your mom rear-ends somebody in your car, and you have insurance on the car, your carrier will pay for the damages. Your mom's carrier would only pay if you don't have insurance, and even then, her carrier would probably come after you if you're legally required to carry insurance on the car in your state.

So, simply put, have your mom contact her carrier and advise them that she will be driving a car owned by you, either all the time or just occasionally. They can make the adjustments to her policy and she'll be covered. Keep in mind, however, that if you also carry insurance on the car, that insurance will also be primary.

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