Consumption and Real Estate
If my son drives my car and he has an accident, would it be covered under my insurance or his?
Question : If my son drives my car and he has an accident, would it be covered under my insurance or his?
I am going to give my old car to my son as a gift. He lives in Boston and I live in D.C. He is an adult and has his own insurance policy on his car in Boston. He would drive the gift car from VA to MA. Say on the road he would have an accident. Would the incident be covered under my insurance policy, or his, or neither? Do we need to do anything before his driving my car back to his home?
home insurance ma
Best answer:
Answer by sensible_man
He needs to get the title switched into his name. Then purchase 30 day tags to drive it back home. He should also contact his insurance agent about coverage.
YOUR policy is primary, if the vehicle is under your insurance. If the car has your plates on it, ie, he hasn’t transferred the title yet, then legally, YOU are responsible for damages.
If you take the car off your policy, AND he doesn’t have the car on his policy yet, then NO insurance covers the accident.