car registration.....

[Gibson486]

I am moving to an area with permit parking, but they require that the car be registered under the residents name. My car, however, is registered under my mom's name. She insists she do this because she want me to be under her insurance. I'm fine with that since it makes my premium smaller. Is there a way I can have the car registered under my name, but have the insurance under my mom's name? Or...i could do this harder the way and have someoen else get me a back bay stsicker for $50, but i want to do this legally.😉

 

[Tommunist]

Originally posted by: Gibson486
I am moving to an area with permit parking, but they require that the car be registered under the residents name. My car, however, is registered under my mom's name. She insists she do this because she want me to be under her insurance. I'm fine with that since it makes my premium smaller. Is there a way I can have the car registered under my name, but have the insurance under my mom's name? Or...i could do this harder the way and have someoen else get me a back bay stsicker for $50, but i want to do this legally.😉

are you a student? oftentimes you can get parking permits without reregestering if you are a student.

 

[nakedfrog]

If you're driving the car all the time but aren't on the insurance, I don't think you're 100% legal as it is.

 

[Soccer55]

Originally posted by: nakedfrog
If you're driving the car all the time but aren't on the insurance, I don't think you're 100% legal as it is.

From what I can gather, he's covered under his mom's insurance. The possible problem resides with the car being registered in his mom's name instead of his own.

See if your status as a student will get you an exception.

-Tom

 

[acemcmac]

Originally posted by: nakedfrog
If you're driving the car all the time but aren't on the insurance, I don't think you're 100% legal as it is.

he is on the insurance- he pays a premium

 

[nakedfrog]

Originally posted by: acemcmac

Originally posted by: nakedfrog
If you're driving the car all the time but aren't on the insurance, I don't think you're 100% legal as it is.

he is on the insurance- he pays a premium

Guess I misunderstood.

 

[Gibson486]

Originally posted by: nakedfrog

Originally posted by: acemcmac

Originally posted by: nakedfrog
If you're driving the car all the time but aren't on the insurance, I don't think you're 100% legal as it is.

he is on the insurance- he pays a premium

Guess I misunderstood.

I know there is a thing somewhere where it says it is not fully legal for my mom to insure teh car under her name if i do not live there all the time, but my aunt told me not to worry about it.

 

[Gibson486]

Well, i got through, finally, and they said, "no". Hmmmm.....Any here who lives in Boston's back bay wanna make $50?

 

[Aquila76]

Originally posted by: acemcmac

Originally posted by: nakedfrog
If you're driving the car all the time but aren't on the insurance, I don't think you're 100% legal as it is.

he is on the insurance- he pays a premium

He may pay the premium, but that doesn't mean he's insured. My parents paid my COBRA premiums when I was briefly unemployed, but they didn't get any of my health benefits. If he gets into an accident out here and is not named on the insurance policy, they won't cover him. The OP should make sure his name is on the policy, even if it's as a 1% operator. His mom may have to pay more, but it's better than no coverage and jail time if he causes an accident without insurance.
This happened to a friend of mine from NY recently (same sitch: parents paying for insurance). He was in an accident (not his fault), and the insurance company wouldn't give him or his parents a dime for the totaled car because an 'uninsured operator' was using the car. Because he didn't cause the accident, however, he couldn't be arrested.

 

[Gibson486]

Originally posted by: Aquila76

Originally posted by: acemcmac

Originally posted by: nakedfrog
If you're driving the car all the time but aren't on the insurance, I don't think you're 100% legal as it is.

he is on the insurance- he pays a premium

He may pay the premium, but that doesn't mean he's insured. My parents paid my COBRA premiums when I was briefly unemployed, but they didn't get any of my health benefits. If he gets into an accident out here and is not named on the insurance policy, they won't cover him. The OP should make sure his name is on the policy, even if it's as a 1% operator. His mom may have to pay more, but it's better than no coverage and jail time if he causes an accident without insurance.
This happened to a friend of mine from NY recently (same sitch: parents paying for insurance). He was in an accident (not his fault), and the insurance company wouldn't give him or his parents a dime for the totaled car because an 'uninsured operator' was using the car. Because he didn't cause the accident, however, he couldn't be arrested.

No, i am insured.

 

[Aquila76]

Originally posted by: Gibson486

Originally posted by: Aquila76

Originally posted by: acemcmac

Originally posted by: nakedfrog
If you're driving the car all the time but aren't on the insurance, I don't think you're 100% legal as it is.

he is on the insurance- he pays a premium

He may pay the premium, but that doesn't mean he's insured. My parents paid my COBRA premiums when I was briefly unemployed, but they didn't get any of my health benefits. If he gets into an accident out here and is not named on the insurance policy, they won't cover him. The OP should make sure his name is on the policy, even if it's as a 1% operator. His mom may have to pay more, but it's better than no coverage and jail time if he causes an accident without insurance.
This happened to a friend of mine from NY recently (same sitch: parents paying for insurance). He was in an accident (not his fault), and the insurance company wouldn't give him or his parents a dime for the totaled car because an 'uninsured operator' was using the car. Because he didn't cause the accident, however, he couldn't be arrested.

No, i am insured.

You're listed as an operator on the policy? How does that save you money on your insurance premium then? The premium is based on the highest step operator, which I'm assuming is you. What step are you?