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Can I insure and drive someone else's car?

  1. I've had a sudden death in the family and need to move the decedent's car a few hundred miles. While I know the annual registration is valid, I have no clue to whether the insurance is, so can I simply add this vehicle to my policy and move it back to the decedent's house? I am the willed executor but have no documentation yet as the appointment papers and death certificates are pending and I don't want to cause the estate any liability. Thanks in advance, HH

    ETA: are there any liabilities if the vehicle is double-insured through different companies? The decedent's attorney wants me to arrange a tow but I'm trying to save the estate some money.
     
  2. This is a question for your insurance agent. There is a term called Insurable Interest. You can not normally insure something you do not own. He may give you a work-around.
     
  3. wife is in the same situation and very common. check the glove box for the insurance card and find the bills. keep paying it
     
  4. I asked my insurance agent a similar question about vehicles. Her response was that I would be covered by my policy to pick the vehicle up and drive it home.
     
  5. Will do, thanks. I've never been asked when adding a vehicle over the phone if I was the owner (Progressive.) I need to get this vehicle moved in order to not accrue any more fees from where it is now (airport long-term parking.) I have access to both the keys and the parking ticket. HH
     
  6. Thank you. HH
     
  7. I gave my car to my mom while it was still in my name. She had no problem insuring it in her name her own policy.


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  8. 1). Sorry to hear of the death in your family. My condolences all around.

    2). As with Wayward Son my agent told me our insurance was good to move a car several hundred miles to my place during a not too different situation.
     
  9. Thanks. Any issue if the car is covered by a second company at the same time? I'm almost certain that it's still covered by the decedent, but I really don't want to take the chance. As executor, I don't want to become the guy who caused a seven digit liability to a five digit estate. HH
     
  10. Call your insurance company and have them run a clue report on the vin number of the car you plan on driving.This will give you the insurance company and policy number of your relative. Call the newly discovered insurance company and tell them you’re the executor and ask if this policy would cover you. Different insurance companies have different coverages on permissive use.

    You can always purchase insurance for the vehicle as the executor.
     
  11. I think insurance covers the driver, not the car. But ask your agent .
     
  12. It will vary by company but usually, you can insure a vehicle you do not own. They don't care who owns it. Only who's driving it.
     
  13. Also, you're very likely covered by your own insurance when driving a non-owned vehicle. My company will cover you in another car up to 30 days without adding it to the policy.
     
  14. I'd just jump in and drive it home, I'm sure my full coverage insurance would be good on it
     
  15. Getting legal advise on a shooting forum is more dangerous than a car wreck. :car: :drillsgt:
     
  16. With Progressive, you will be covered driving the non-owned vehicle temporarily. Of course, covered by the same coverage you have on your existing policy except roadside.
     
  17. I’m covered by my insurance no matter what car I drive. If I owned the car I’d have to add it to my policy. If said car belongs to a friend or family member then I’m covered. Lots of insurances also cover you as a passenger in someone else’s car.
     
  18. Our Allstate policies had wording specifically applicable to the situation you describe. IIRC the policy was in force to the end of the coverage period during which the death occurred (PA policy). PA polices (and maybe most others) cover any car you drive with permission (you are the executor, you don't need permission), as long as you don't use it regularly, so your policy may cover it even in the event that the car was not insured otherwise.
    I did 29 years in claims. I know more about insurance than guns.
    That said, a call to his agent and your agent is in order.
    "ETA: are there any liabilities if the vehicle is double-insured through different companies?"
    No, they sort it out, sometimes to your benefit. I did that a lot.
    EDIT, you could probably add it to your policy. As executor, it is arguable that you have insurable interest.
     
  19. Could have done so before starting this thread.
     
  20. First, sorry for your loss. Second, you should verify this through the decedents insurance as I'm sure this varies depending on the policy, but my insurance covers anyone driving my car on a short term basis (borrowed the car for a few hours, etc) as long as that person has a valid drivers license. Although you will not be able to get any personal information or make changes to the policy, the agent will likely at least be able to verify that you are covered in the car without needing the letters of administration. As far as adding the car to your policy, I was borrowing a car for several weeks from a buddy a few years ago and my insurance company would not allow me to insure it under my policy as it didn't belong to me. Again, under the circumstances your situation my be different though and a call to the insurance company should be able to answer this question quickly.
     
  21. Tell the attorney to handle it himself.
    Jeez...not your money...and resign from job you did not prep for or want?
    :)
     
  22. In my situation I’m the sole family member, owner, and resident. Have two two-wheel and two four-wheel vehicles tagged for street use. Must have four liability policies. Even though I can only be on the road with one at a time.

    Sometimes my daughter or son-in-law will drive one of the vehicles, but they have their own vehicles and insurance. Don’t know whose policy would pay if one of them was driving one of my vehicles and had an at fault incident.

    And note that none of the policies include collusion because of the ages of the vehicles


    Sent from my iPhone using Tapatalk
     
  23. If I could manage this, it would justify liability policies on each vehicle.

    [​IMG]

    Open the sun roof and stand on the hump in the van and I would be good to go. Or stand in the bed behind the cab in the truck.


    Sent from my iPhone using Tapatalk
     
  24. I don't think auto insurance covers collusion, anyway. That's generally illegal. :supergrin:
     
  25. ^^^ This. I'm under the impression that if I drive other vehicles on an exception basis, my insurance covers me.

    When I buy a car, and I drive them home before they are on my insurance.
     
  26. Check out a DOC policy. Normally comes with full comprehensive coverage.
     
  27. 1: Find out if relatives insurance policy is still good. If yes, ok to drive but verify with their carrier.
    2: If policy expired, call your agent and verify your coverage. (you should be covered). If relatives car is high end, make sure your insurance has Collision, comprehensive and liability. Many people with older cars only have liability.
    3: If registration is expired, you should be able to get short term reg for travel from DMV/DPS
    4: If you have something that can pull a car trailer, rent a uhaul car trailer and pull car home.

    I don't think you need to add to a policy yourself. That is when the insurable interest thing will kick in and you need to review with agent.
     
  28. DOC policy?
     
  29. If you rent a car from Hertz (whoever) -

    You can have coverage on the rental from your personal insurance policy and many people do.

    But it is a rider - and is not automatically included on every policy. I also will guess it can depend on what state you live in.

    I can't recall numbers - but I dropped this from our policy years ago - when renting a car while on business my employer covered it - hardly ever rent a car for personal use - and if I do I would do whatever to protect myself.




    Just saying - don't assume just because you have insurance on your car it will automatically cover you if you are driving someone else's car.
     
  30. As an EXECUTOR you should not spend 1 penny of your own money to carry out your duties.

    From my personal experience it is a thankless job.
     
  31. I don't see insurable interest as a problem in this case -

    If you are driving a vehicle and can be held accountable for damage caused by an accident -

    Then you in fact do have an insurable interest.
     
  32. I understand the buy a car thing - I think you have 3 days or something like that.

    But I would not drive off the lot until I had contracted my insurance company and added the vehicle.

    Last new car we bought - my insurance agent email me proof of insurance while I was still at the dealership -
     
  33. Coverage for "non-owned" vehicles is often based on the definition of an "insured vehicle in the policy. If differs for liability and collision/comp. Commercial policies have entirely different forms for some of this.
    Here is an example what my executor would look at for coverage in my policy while he/she was using my car after I die. Executor is covered as my legal representative.
    upload_2018-10-4_14-7-48.png

    However, if I was an executor for someone else I would look to this definition of "Insured Autos" in the Liability section of my policy.
    This indicates I am covered for liability as the executor while while using the deceased's car, whether it has coverage of it's own or not. (This applies to a rental car as well.)
    upload_2018-10-4_14-10-43.png

    Under collision/comp, I would look to that section of my policy for "Insured Vehicles" and in my policy I find I have coverage for the decedent's car as a non-owned vehicle, just like a rental. As a practical matter, it may not apply if that decedent's vehicle has collision/comp of on it's own policy.
    upload_2018-10-4_14-18-31.png

    I'm in PA. YMMV.
     
  34. My agent didn't open for another eight hours. Thanks for the immensely helpful feedback. HH
     
  35. Worst case - get a U-haul and trailer (or just the trailer if you have a tow vehicle) and flat tow it. That gets you around the whole bit.

    But like others have said I think your insurance will cover you. Would be best to call first though if you have doubts. Just to be safe. If it is really high-end they may want to do something different.

    Also - keep all receipts so you can charge back to the estate if you incur significant cost.
     
  36. Sorry for your loss my friend.
     
  37. When my Step Mom passed earlier this year I drove her car from coast to my house under my insurance. My sister was the executor and once she got the official letter from the lawyer stating such I took the copy of that as well as a bill of sale my sister made up representing the estate and the title and registration and had it registered in my name and added to my insurance. My insurance, USAA, stated I could drive it under my policy before registering to me but I just parked it after getting home. Pretty sure you are good but bounce off your insurance agent as I imagine differences between states and ins companies as to particulars to handle it. I'm sorry for your loss and hope it works out!
     
  38. Never hear the expression? "you made your bed..."