Can I insure a car I do not own?
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UPDATED: Dec 3, 2011
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Insurance Question from Brooks, OR
Asked on 12/03/2011
Can I insure a car I do not own? I am 18 years old and need to borrow my moms extra car to get to work. Her insurance does not cover me so I need to know if I can insure the car myself so I can drive it to work.
Answer given on December 04, 2011
In most states, the insurance follows the vehicle. Therefore, if your borrow your mother’s car with her permission, her policy should cover you as a permissive user of the vehicle. Perhaps there are other circumstances that you didn’t explain which prohibits you from being covered by your mother’s policy. If not, then they should be temporary coverage for you to drive. Check with the agent or the insurance company to make sure. You would not be able to place a policy on someone else’s car. You must have insurable interest in the car to place insurance on the vehcile.
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