jguerra23

Can I insured it under my name as the primary and listed her in my policy?

stillhere153

iTrader: (1)

last I checked no, registration and insured driver have to match, you can although switch the registration over to your name... hope that helps

BLACKURA_NY

iTrader: (6)

do a joint signing on the reg.

my 06 TL was registered to me and my mother, and only i insured it

my mothers CLK55 is registered to her, but i insure it with her listed on my policy

ABLUETYPES78

Title, registration and insurance must match.....if there is a total loss and names dont match, the insurance co can and may deny your claim.

I work for an insurance co and i have never given anyone insurance if the car wasnt registered in their name.

jguerra23

the car is finance under her...can I still do joint registration.....

I just snapped some pics of the headlights...but is getting dark.....the car will back at the dealer to remove those swirl marks I told u about....getting some cheasy loaner I bet

01tl4tl

she is the registered owner and the bank is the lien holder
You can be added to her policy as 2nd driver but until the bank is paid they wont allow a change like you want

jguerra23

I just check on NY DMV... I can be added as a joing registered.. The owner of the car doesnt have to be the registrant....

01tl4tl

SHE is not the owner of the car- the LIENholder is the BANK
they own the car- all she can be is registered owner
CALL dmv and ask-
what are you trying to do anyway--?? scam the insurance?

gauravp123

LOLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLL

jguerra23

LOL... naw man.. I try to be ligit all the way.. but yeah .. insurance will be cheaper under me... my girl only has a permit so i am restricted to straigh up Progressive...

clavodulce16

you might have to check your local state laws. As because my TL is register under my name and insured under my mother policy. Then of course you need to add her as an extra driver in the policy just to cover your butt!

jguerra23

I don't mind adding her, even though she doesn't know how to drive.

I was looking at the DMV site and you can do joint registration.

BG74

No insurance company is the world is going to cover an unlicensed driver.

clavodulce16

forget the joint registration, just call the insurance company and tell them you need to add a vechile. All they asking for state register in, VIN # plate #, also add her as a driver if she has license of course.

clavodulce16

like i said before, my car is register under my name, and is under my mother's insurance policy, no problem. always had it like that , my previous car was totalled and no problen what so ever as long as you dont try to pull a scam on them

jguerra23

Who is your carrier.

According to DMV in NY.. the registrant and the policy holders names must match. However the owner and the registrant dont need to match.

kenny5

That is right! For example, the owner can be a corporation, the registrant an officer of the corporation and name-insured on the insurance policy.

Also, to set the record straight, the bank is only a lienholder and NOT the owner of the car, with the car being the collateral for the loan. It becomes an unwilling owner after you default on car payment, the bank then gets a judgment against you, execute on the judgment, have the sheriff seize you car, auction off the car, and buy the car at auction. It is a loooong process before the bank becomes the owner.

clavodulce16

my carrier at the current moment is NationWide. I had progressive and Geico with no problem.
Let me explain the my situation little better.
I have a Lien holder. But cars registration is under my name Joe doe.
Nationwide policy is under mother, Mrs Joe Doe.
Under Mother's pilicy is my Car VIN XXXXXXXXXXXXXXXXX01
You should have no problem putting HER car under your insurance policy.
Hope all is clear now

clavodulce16

Insurance company don't car who's car it's as long as you give then your money. Lien holder don't care under who's policy it's as long as they get to see a declaration page from the insurance company saying that VIN # xxxxxxxxxxxxxx01 is being cover full whatever coverage their minimum are.

jguerra23

Progressive insures permit drivers. It is the drivers responisbility to ensure that they have a license driver in the car with them.

I have my Tl for almost a year now and almost going into my third policy, when I bought TL... at them moment i only had my permit.. I know .. 28 and dint have my license.... we insured it with both permits and a month later i updated my record once I got my License.

01tl4tl

Lienholder - the bank- is the legal owner of the car- you make the payments so they let you drive it
You dont make the payments- they repo the car and sell it for what they can- and you still owe the balance of the loan differance

You dont own the car until the title is in your name- until then its the banks!
Why not just get your girl licensed

jguerra23

2 reasons-

1. Shes never driven before.... today i will let her drive this BS TSx they gave me as a loaner. She is scare to learn.

2. I don't want her Driving the TL dude.

kenny5

Don't confuse financing the car with leasing the car. When you finance, you take out a loan with the bank, which is a secured party that files a U.C.C. with the recording authorities to record its lien. You purchase car insurance so that if and when you crash the car, the insurance company pays the bank. Therefore, you are the owner of the car, and the bank only has a security interest or lien on the car. Ask any lawyer or financing institution and they will give you the SAME answer. Now, if you lease your car, the leasing company is the owner or lessor and you are just a lessee, because at the end of the lease term, you must return the car to the lessor or owner. Just as if you rent an apartment and at the end of the lease term, your landlord may not renew your lease and ask to move out!