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Rita Rose
Lv 5
Rita Rose asked in Cars & TransportationInsurance & Registration · 9 years ago

My son's Beretta car is now in his girlfriends name. He wants me to put insurance on it so it can be driven.?

I just want to know what the Michigan law is regarding insuring a car not in my name. And not in my possession. I get a good insurance rate now because I have always paid my bills on time. My sons girlfriend thinks I should do this for them. I don't and I won't but I promised to look into it today. I have two trucks already insured in my name and so does the girlfriend. I plan to speak today with my insurance man to find out what I can. Any suggestions besides being totally blunt with these 40 year old people? Just say no is a good policy and the right thing for me to do. But hard.

Update:

Don't be mean about this question. I promised to find out if it is even legal to do this. That is why I came here to ask. My 45 year old son got himself into trouble with a DUI. Another guy ran into my son's car but because my son was over the legal limit he got the jail and fines. Other guy who ran the light got nothing. Attorney told my son to sell the car to a non relative or cops would boot it so it can't be driven. He put it into the girlfriends name, stupid move. My son won't have a drivers license for a year unless they give him a restricted one to get to work, AA and work detail. This is a huge mess and I don't want involved because I am sure there is trouble going to happen with all of this.

Update 2:

Son has really bad depression and has been using whiskey to self medicate. He is a350 pound, 6'3 man and yes he needs professional help. No insurance at his work, two sons and a grandson to take care of and the girlfriend has her green card and smokes weed non stop all day, every day. Except for the bad choice of drinking the whiskey he is a good man. His father and grandfather were both drunks too.

Update 3:

I AM NOT GOING TO INSURE HIS CAR, NO WAY WILL I DO THAT-----BUT I WANT TO LEARN WHAT THE LAW SAYS SO WHEN I EXPLAIN TO HIM THAT I WON'T DO THIS THAT I WILL BE ABLE TO KNOW LEGALLY WHY NOT. THANK BOTH OF YOU FOR YOUR ANSWER. ♥♥

Update 4:

Thanks to all of you. I told my son no. I told him that his girlfriend owns the car not him anymore that she needs to drop her 27 year old sons insurance since he does not live there and put the Beretta on if they intend to use it. I want nothing to do with that situation. I live on 400 dollars a month and that girlfriend collects 700 social security disability as well as food stamps, medicaid and she can do the right thing for the use of the car. A little red beauty---or was and all paid for. Now let them deal with all of this.

Update 5:

Just as an after thought I want to say I have worked hard to have good credit and because I do have excellent credit and never any tickets I insure two older trucks for 95 dollars a month NOT each but for the two nice older trucks. Sure don't want to mess that up. I am almost 70 and let these young people figure it out themselves. Thanks.

9 Answers

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  • scoutma53
    Lv 7
    9 years ago
    Favorite Answer

    You don't need to know Michigan or any other law, to know it would be a bad idea. And yes it is hard to say No but your son obviously has problems driving for whatever reason and you would risk ruining your whole insurance record.

  • Karissa
    7 years ago

    You can get quotes in just a few minutes at http://help.coveragefinder.net/-jtmobSO842

    RE My son's Beretta car is now in his girlfriends name. He wants me to put insurance on it so it can be driven.?

    I just want to know what the Michigan law is regarding insuring a car not in my name. And not in my possession. I get a good insurance rate now because I have always paid my bills on time. My sons girlfriend thinks I should do this for them. I don't and I won't but I promised to look into it today. I have two trucks already insured in my name and so does the girlfriend. I plan to speak today with my insurance man to find out what I can. Any suggestions besides being totally blunt with these 40 year old people? Just say no is a good policy and the right thing for me to do. But hard.

  • Dan B
    Lv 7
    9 years ago

    It's not a state law, but an insurance company's rules. You don't have an "insurable interest" in the car so they won't insure it. Insurable interest is where you personally would suffer a loss (financial in this case) if the car was damaged or destroyed in an accident. I presume you aren't paying for the car. Otherwise, I could insure several cars I don't own in hopes of collecting the payout if there's an accident.

    But that doesn't mean you can't pay for their insurance with the insurance issued in their name. But from your posting, I wouldn't tell your son and his gf that. Just stick with my 1st paragraph.

  • Gambit
    Lv 7
    9 years ago

    You won't find a written law on the books saying you can't as legislation does not cover this. However no insurance company is going to insure a vehicle that is not yours because you do not have insurable interest (you cannot prove you would suffer financial loss if the vehicle is damaged/lost) in the vehicle. Insurable interest is a legal concept that governs insurance contracts, however it's not in any statute.

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  • ?
    Lv 7
    9 years ago

    Talk to your insurance agent with his help he can give you a good answer to why you cannot insure his girl friends car. He will be more familiar with local regulations and can help you come up with a good reason to say no. Hint if she or your son get into accident the rate of insurance on ALL of your cars and trucks goes up. Get your agent to show you what the new rates would be.

  • ?
    6 years ago

    For free insurance quotes

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    7 years ago

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    Lv 5
    5 years ago

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    5 years ago

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