	AllExperts > Property & Casualty Insurance
	Search

About Jay K. Williams, AAI, AIP, CIC, CRM
Expertise
I can answer questions relating to the following coverages: personal auto; homeowners; commercial auto; commercial liability; commercial property; business income and all other property and casualty coverages.

Experience
I have been in the insurance industry in Florida since 1979. I am currently the president of a Florida domestic insurance company subsidiary. I've taught continuing education classes in Florida and across the country. I am quite familiar with all coverages including Florida Condominium master policies and unit owner policies. I also specialize in agent professional liability. I have been a professional educator since 2001.

Organizations
I am a member of the Florida Associaion of Insurance Agents, the state affiliate of the Independent Insurance Agents and Brokers of America.

Education/Credentials
I currently carry the following professional designations: Accredited Advisor in Insurance (AAI) Associate in Insurance Production (AIP) Certified Insurance Counselor (CIC) Certified Risk Manager (CRM)

You are here: Experts > Money > Personal Insurance > Property & Casualty Insurance > Auto insurance

Property & Casualty Insurance - Auto insurance

Expert: Jay K. Williams, AAI, AIP, CIC, CRM - 11/6/2009

Question
A vehicle is registered under my name but i do not drive the vehicle at all. My mother has a valid license and insured the vehicle under her name only, since she is the one driving it. Is this okay, or would there be some problems in the future?

Thank you.

Answer
Hi Julie,

Most insurance companies will only insure the vehicle in the name of the person to whom it is titled. There are a couple...Progressive is one...that don't care.

That being said, as the owner of the vehicle, you could very well be brought into a lawsuit if you mother were to have an at-fault accident causing serious injuries. If that were the case, you would not have coverage under your policy because it excludes coverage for vehicles that you own but that are not insured under that policy. You would also not have any coverage under your mother's policy because you are not named on the policy.

I think your current insurance situation is cause for serious concern. I would highly recommend that you have your name added to your mother's policy.

I hope that helps. Let me know if you have more questions.

Add to this Answer Ask a Question