can i switch insurance from one vehicle to another if the insurance is not in my name?

UPDATED: Jan 8, 2016

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UPDATED: Jan 8, 2016Fact Checked

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Asked January 8, 2016

1 Answer

You may not switch insurance from one vehicle to another when you are not the primary policyholder. There several reasons why you may be responsible for a policy that is not in your name, and you must contact the insurance company at once to correct the problem with naming on your policy. You may be taking over a policy from someone who is deceased, or you may choose to close the policy and open a new one.

#1: The Name Is Important

You must be an approved user on the policy, or you must change the name on the policy using proper court documentation. The documentation you will use to change the name on the policy comes directly from the court, or you may start a new policy using documentation showing you now own the vehicle. You must have your name appear on the policy before you may make a significant change.

#2: The Policy May Change Laterally

Making lateral changes to the policy is possible when you are an approved driver on the policy or the beneficiary of someone who owned the policy. The policy details will not change at all during a lateral move, but you must ensure that you verify the policy details to be sure.

#3: Starting A New Policy Changes The Policy

You must ensure that you check the new policy details when you close one policy only to start a new one. The new policy may not be exactly the same as the policy you had, and you must ask your insurance agent to help you verify the details of the policy. You are placing your name on the policy, but you will have a brand new policy because you were forced to close your old policy.

Every insurance policy must have your name on it if you wish to make changes. Any policy that belonged a decedent requires documentation allowing you to adjust the policy, and you may make these changes at any time.

Answered January 11, 2016 by InsuranceStar

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