Multiple owner vehicle who is required to carry insurance

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If there are 2 legal owners on a vehicle and loan agreement in Oregon. Are both owners required to carry insurance. Neither owner lives at the same address. My daughter was recently removed from her grandfathers auto policy by his choice without notice he is choosing to discontinued his auto coverage of this vehicle. Is this legal for him to stop paying for any and all auto insurance coverage despite being a legal owner?”

Asked June 5, 2018

1 Answer


Yes all owners are required to carry insurance. The insurance do not have to be full coverage. One driver can have full coverage on the vehicle and the other can have liability insurance. Insurance companies will insure vehicles located at another address. They just want to know where the vehicle is housed at and is it secured at night or during the day. It is illegal in Oregon to not have auto insurance on a registered vehicle. He was in the wrong for removing his granddaughter and yes it is legal from him to drop her, but illegal to not have insurance. But being that she is of legal age to be an owner of a car she is also wrong for not having any insurance for herself as the driver. There are many options when it comes to insuring a vehicle and each law in each state is different. But all 50 states require a vehicle to have some kind of insurance to be registered in that State. If the child is under age, like a minor they are not required to have insurance. It is in fact the owner of that vehicle or the parent's responsibility to have that child insured the right way for him or her to drive in a given state. All in all it is the responsibility of the owner and the driver of a vehicle to have insurance on their legally owned vehicle at all times. If you are pulled over and do not have it, it will be a fine.

http://www.oregon.gov/ODOT/DMV/pages/driverid/insurance.aspx

Answered June 7, 2018 by ClaimsAdjuster

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