list of car insurance names
Can my uncle get the insurance on my car under his name while I can still drive it legally?
My situation:
- I am a college student, I also work full time and I am making payments on the car that I own.
- I got into 2 accidents and have 1 ticket on my record a little over a year ago.
- I must carry comprehensive besides liability as I have not finished paying the car.
- I am under 25 and over 21.
- My state is Texas.
Is it possible for my uncle to carry the insurance on my car at least for some time while my driving record improves?
Would he have to take over the loan also? Register it under his name? I do not live in his house.
How do I have to be listed in the policy?
I intend to do everything legally, I understand this is not a good situation to be in but being an independent student can be very difficult.
Any suggestions or experiences that would help me save on insurance. There is no bus service in the county where I live and as many of you know a vehicle is a necessity in Texas.
Insurance experts and life experiences are welcome alike.
Many thanks
If the vehicle is registered in his name, then yes he can insure the vehicle under his policy. However with your driving record unless your uncle is already insured with a high risk insurance company there is no way a standard insurer is going to insure you. Since you are the actual principal operator of the vehicle you MUST be named as a driver under the policy. This means your uncle would have to insure that vehicle with a high risk insurer, and with your driving record (and the fact your uncle is probably listed as a principal operator on his own vehicle), you would be named principal operator of that vehicle (your uncle can’t be principal operator of two vehicles when there are two drivers), so your rates wouldn’t really be much different. If you are not named as a driver under the policy, and you get into an accident with the vehicle, then the insurance company will not pay a dime. This means you AND your uncle (as registered owner of the vehicle) would now become financially liable for everyone’s injuries/damages. This means you AND your uncle could be in debt for the rest of your lives trying to pay off a judgment.
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No matter what exactly are we planning to buy, all of us have a tendency to discover the cheapest possible solution for our requirements. So, the very same applies to purchase Automobile Insurance.
