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FckMitch t1_iydrew5 wrote

Reply to comment by NJS1993 in Got in a car accident. I have insurance, but I used my address for the title and registration instead of the policy holder’s. I didn’t know that could be a problem. Am I screwed? by [deleted]

Hmm…I changed the title and car registration to my kid in college and he is still on our insurance. I checked w insurance company, told them car is now owned by kid, kid is at college and do we need a separate policy for them? They said no. I changed the title on car on the insurance website etc.

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NJS1993 t1_iydwslw wrote

You should really call your insurance company directly and get a 2nd opinion. DOI rules vary from state to state, however insuring a vehicle you do not own is not a chance I would be willing to take right now in todays economy. Insurance companies are tightening up their claims departments across the board right now due to higher claim payouts and increased costs in vehicles & homes.

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therearentanyleft369 t1_iydzelz wrote

I was the only owner of the car. So owner, title, and registration are all in Oregon, policy is in Utah. I don’t think the policy holder was listed as a driver of the car, either. I’m afraid to talk to the insurance company about it right away because I have absolutely no way to handle it if it was a mistake and they refuse the payout and sue for what they’ve already paid the other driver

Edit: I’m going to call the agent. Don’t want to mess around with fraud. Hadn’t even thought of it that way. Just gotta hope for the best at this point

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NJS1993 t1_iye0065 wrote

You keep mentioning the policyholder in 3rd person. The policyholder is irrelevant in this matter. If the car is registered and titled to you, then you must be the named insured on the policy and insure the car solely in your name.

If the current policyholder is not on the title or the registration, then the insurance will likely not payout as theres no legal obligation to.

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