Will Auto Insurance in Ohio Cover A Borrowed Car
Reader’s Question:
I recently discovered that my roommate is driving my car without my permission when he goes out at night. He told me he doesn’t want his girlfriend to identify him and so he uses my car instead. We both have auto insurance in Ohio. If anything happens to the car while he’s driving it, his auto insurance will pay for it, right?
Hal
Dayton OH
Sorry, Hal, but no, his auto insurance will not pay for the damages your car. Remember all the time that auto insurance is meant for the car, not for the driver or the passengers. Although some auto insurance packages offer medical protection for the drivers and passengers of the car, it also pertains only to those drivers and passengers of the insured car. So, your friend’s auto insurance will only cover his car and those inside it depending on the type of insurance he has.
I don’t know what type of auto insurance you have, but it is supposed to pay for the damages your car has incurred as long as it was driven by the authorized driver or those allowed by the owner of the policy. In this case again, if your car was damaged while your friend was driving it without your knowledge, you will not be able to claim anything for it. Now that you know what your roommate was doing, it is a very good time to review your auto insurance very thoroughly or even call your insurance agent in Dayton Ohio . You see, auto insurance varies from state to state and you might want to check what is applicable to you.
if you love your roommate enough, you might want to include him as an authorized driver, especially since it seems like he does this trick regularly. You can expect that it will naturally incur additional expenses. You can have some idea on how much you will be paying from this page. Just enter your zip code and the type of coverage you want for your car and you can get free quotes instantly.
When you have all these settled, it will be a good idea to have a man-to-man talk with your roommate. I think that all indications show that he has one mighty secret!
Can I Get Auto Insurance and Car Title in Ohio For A Car I Don’t Own?
Reader’s Question:
My roommate moved out and left her car at my house in Cincinnati, Ohio. I have told her a lot of time to come get it and she hasn’t. Can I insure and get the title under my name?
Alliso’
Cincinnati, OH
If your friend does not want the vehicle anymore then maybe you can meet her so that she can sign it over to you. If you can no longer contact her and either want the vehicle removed or titled under your name so you can drive it or sell it then you will need to contact your DMV and possibly police department to determine what steps you need to take.
According to the Cincinnati, Ohio clerk of the court, if you have a vehicle abandoned on your property you need to contact first your local law enforcement office, because each area has different rules on this. Some law enforcement agencies will come to your property and remove the car, some will say it is on your property and you will have to check who the owner is and contact them.
You may contact your your local court house or local Department of Motor Vehicles to check on how in your area you can get your former roommate’s abandoned car titled and insured in your name.
Tags: auto insurance
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