Depending upon your state auto insurance laws, your vehicle may be required to maintain a state-appropriate auto insurance policy that’s issued by an auto insurance company licensed to do business there. In general, one name must present on both your car registration and insurance policy.
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For example, when a married couple owns a vehicle, the title of the vehicle may be registered in both their names. The auto insurance policy may be written one or both of the couple’s names. Most states require that if you change a name on the insurance policy, you must simultaneously change the name appearing on your vehicle title and registration. Some insurance companies may attempt to deny the payment of an auto insurance claim if your vehicle registration and insurance policy name does not match.
Are auto insurance companies concerned about identity theft?
These days, identity theft is a big problem for auto insurance companies. While it’s possible that your auto insurance company will pay a claim in an unusual circumstance, such as when you’re driving your sister’s car and have an accident, it’s best not to assume that the auto insurance company will honor such a claim.
Ask your auto insurance agent about the particulars of your auto insurance policy. If you’re the owner of the vehicle, and your auto insurance policy is written in your name, you’re covered in the event of an auto accident (as long as your auto policy is paid and in force).
Let’s say you’re married and you get divorced. Your personal vehicle is owned by you, and your auto insurance is still written in both you and your now ex-spouse’s names. If you plan to return to the use of a maiden name after divorce, it’s best to change your name on the vehicle title, registration, and auto insurance policy at the same time.
Make sure to bring your divorce documents to the Department of Motor Vehicles, along with your Social Security card (in your maiden name). Your auto insurance policy should be made out to the same name as your vehicle registration.
Safeguard your identity and, for safety’s sake, don’t let uninsured drivers operate your automobile. If they cause an accident while driving your personal car, the financial results could be disastrous for everyone involved!
How does one insure a vehicle that another driver operates?
While it is certainly possible for one person to insure a vehicle in her name but not drive it, the name on the insurance policy and the vehicle registration should match. If the driver is in a car accident, and none of the documents in the car match the driver’s personal information, the auto insurance company might deny payment of the claim.
Know your state’s laws and the terms and conditions of your auto insurance policy. If you’ve got any questions about whether a driver of an auto insured in your name, ask your auto insurance company representative for clarification.
Are your auto insurance rates too high?
Auto insurance can be a significant expense for many individuals and families in today’s economy. Having auto insurance isn’t optional in 49 states. If you elect to drive without auto insurance, you risk receiving a citation (regardless of whether you’re involved in an auto accident). If you’re involved in an auto accident and don’t have auto insurance, you risk long-term, serious financial harm.
One of the ways to verify you’re paying premiums that are too high is to check your auto insurance rates. Comparing your auto insurance doesn’t need to be difficult or time-consuming. Simply type in your zip code now and you’ll have several auto insurance quotes to compare today!
