If car is registered in my name and insurance is in my grandfather name and car is totaled, will insurance cover?

UPDATED: Jul 12, 2016

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UPDATED: Jul 12, 2016Fact Checked

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Asked July 12, 2016

1 Answer

If you live in North Carolina and have a car registered in your name and the car is in your grandfather's name, you will want to know if the company will cover the damages. This is important to know if you own the car as you don't want to be on the hook for anything.

The truth is, if you are in this situation, you will have it covered by the insurance provider as the state of North Carolina requires that the insurance provider covers any accident, as long as the owner pays the insurance. While true, if you, the grandson, are a driver, you may run into trouble and have a harder time getting the company to pay the damages. But, the provider is required to pay for any damages. If you have full coverage, you won't have to worry a bit.

To avoid problems in the future, if you have a car in your name and insurance in your grandfather's name, you should let the insurance provider know, from day one. Not only will it delay any payments, but you can have peace of mind when driving down the street. By being honest and upfront, you can have the right paperwork in the car, and you won't run into any problems, in any matter. But, don't worry, if you are wise and have the right papers, you will not run into issues with other drivers, the government or law enforcement officers in North Carolina, or any other state for that matter.

Answered July 14, 2016 by kdw

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