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Auto Insurance Question from Tacoma, Washington

Asked on 2/6/2016.   This question has received 604 views.
Can my dad lose his insurance if I own another vehicle?   My car is insured through my dad's policy, he had to be added to my title in order to have the car covered. I am not even on the policy. I now own another vehicle, that I do not wish to have added to the inurance, that is in no way connected to my dad, meaning his name is not on the title of this vehicle. Is my owning the vehicle going to cause a problem for him and his insurance?

Answer given on February 8, 2016


If you purchase a new car in your name, you should insure it separately since it is your car. If your dad is not on title, it will have no effect on his insurance or his premiums. When you get the insurance in place for your new car, you should consider adding the other car to your insurance policy and remove your dad from the title. The only reason he was on title was so he could insure it under his insurance policy. Since you are getting your own insurance, adding your other car will give you a multi car discount and save you about 20% off of the premium. Then your dad will have no responsibility for either car. If your dad uses your car regularly, you can list him as a driver, but since he has his own insurance, that should not be necessary. Talk to your insurance agent or company about putting both cars on your insurance policy.

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