Is one able to take out a policy and add a driver even though the policy holder is not on title and the added driver is?

Or I guess the question is, is that legal?

edit: I'll just play it safe and add my name to title

 

I'm listed as principle driver of one car and my wife is the principle driver of the other car and the policy is in my name...

 

is your name on both titles?

 

My dads name is on my car title and i have the insurance under my name. Which reminds me i need to renew my registration before I go awayl

 

why not?

my first car was in my dads name but the insurance policy was in mine.

as long as there is only the one policy i dont see an issue?

 

I may just give USAA a call and ask. Basically, Sarah is getting the 97 Deville put in her name, but I offered to add the car to my policy with her as the primary driver. I wont be on title, though I can be if needed. Its cheaper for her to go through me ($65/m for $250 deductible on comp/collision), where as she was paying $100/m (liability only) as an add on to her parents policy.

 

I'm pretty sure there wouldn't be a problem with it.

And USAA rocks. :thumbup: I'm glad my wife came from a military family.

 

I looked up info on this last year when a friend of mine was going to europe for a year and her boyfriend wanted to get insurance on her car so he could drive it around periodically. It's definitely legal, but not all insurance companies allow it, and some only allow it if you're a family member of the owner. Just call up your insurance company and explain the situation, they'll be able to give you the lowdown.

 

policy is in my mom's name. 3 cars are insured.
2 cars are in my name, 1 in hers.

 

Eddie would be best qualified to answer this, but AFAIK, most insurance companies would be hesitant to underwrite a second driver who has no direct relation to the primary insured. Allstate was hesitant to underwrite us together prior to our marriage, but did so on a individual basis (they reviewed our history of coverage, both with the same carrier, and determined we wouldn't be an increased liability seeing as how we've maintained coverage with allstate for the year prior.)

This is just my example, however, I can see an instance where the carrier would deny coverage based on the fact that you're not family/married. If you look at it from their side, what would happen if you broke up? What if she didn't pay and that causes a lapse in coverage? Things to think about. It's like having a co-signer for a loan. They have to prove "credit worthiness". In this case, credit worthiness would be a direct relationship.

Of course, this is all speculation. Call USAA and find out and let us know. This might be useful to someone else on the board.