AboutDenise Expertise I am a licensed Property/Casualty agent in the state of Wisconsin, a Certified Insurance Counselor and a Certified Insurance Service Representive, with a 15+ year background in personal insurance underwriting. I am currently working in the Homeowners and Auto field, and was licensed in Life and Health insurance years ago. I can provide input if you will give me a "one paragraph what`s the story", however depending on the situation, do note that as policy forms and endorsements vary by the state, the information may be general and educational in nature.
Expert: Denise Date: 7/16/2008 Subject: coverage for a driver not on title
Question Hi, we are leaving the country and have California Casaualty insurance, and have also checked w/AAA. We want our daughter to care for our car while we're gone (she does NOT live with us and is not a dependent) and she is not on the title. Our bank will not add her to the title, but the insurance says that's the only way they'll add her to our insurance. Is there any way we can sign that she's allowed to drive the car, and she will be insured?
Answer Hi Denise-
She can be a permissive driver of the vehicle, just by you giving her permission. She will not be considered to be a Named Insured, such as you and your husband are. If she also has her own vehicle and insurance on her own car, I don't see any issues. If your vehicle would be the only vehicle, she will not have the same coverages regarding substitute vehicles and the extension of coverages that apply to newly acquired vehicles, ect. If it's only her being a covered driver while you are gone, there isn't an issue. You just have to give her permission, unless you have a Named Operator Endorsement on your policy, which is unlikely. Just add her as a driver, and make sure she also has her own auto insurance on her vehicle. Hope this helps. :) Denise
