How can my daughter have to get GA insurance when the vehicle is owned by her parents who live in FL?
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We are not able to add her name to the title as there is a lien on the car.
Asked September 6, 2016
If you are trying to get your daughter added to a policy on an automobile when the parents own the car and another lien is placed on it, things can seem difficult at first. Fortunately, they don't have to be that difficult at all. You won’t be able to put her name on the title because as long as a lien is placed on the car, you cannot add any other names to the title other than those who purchased the car to begin with. However, you can have her name added to the insurance policy that is currently in force as an individual that sometimes drives the car.
It is important that you check with your insurance agent and see what your individual policy says. Some policies cover people across the board who drive the car, considering any individual that is operating the car as an insured motorist that is covered under that specific policy. Others require you to name any and all individuals that you wish to have insured under your policy. If that is the case, you will have to have her name added on the policy. Expect for the cost of the policy to rise dramatically when you do this, as her age level, along with prior driving experience and any and all accidents and tickets affect the premiums that you pay.
Because every policy is slightly different, the only way that you can ever be truly sure that you have done everything correctly is to speak with your insurance agent. In addition, be sure to get any and all communication in writing so that you have something to fall back on if your daughter is involved in an accident while driving the automobile. By doing these things, you are ensuring that she is covered and that you are protecting both her interests and your own if something does go wrong.
Answered September 7, 2016 by FirstLight