My mother bought a vehicle for me to drive before her dementia came on. When she did this I was able to insure the vehicle under both our names even though she wasn't a driver anymore. We switched insurance companies because we were dropped by the original company. Late paying the policy so they dropped us. Now the new company is saying I need to be on the registration or the title in order to insure the vehicle. They also won't insure my mother with me as the driver because she doesn't drive. Their is still a lien on the vehicle. Has anyone dealt with this. I'm in NJ and they won't let me register it in my name because I'm not on the lien/title.
First thing: get your mom a state ID and turn in her license. Second, yes you have to have your name on the registration to have the insurance according to my insurance company.
In our situation my son wanted to drive their car. So based on the instruction from the insurance company--we went to a Jack Rabbit Tag and added my son on the registration, dropped insurance from my parents, then my son got an insurance policy in his name for the car.
If your mom's dementia is early and she can still sign then take her to the tag place. if not, then hopefully you have POA as you will need to sign for her.
the insurance company should be able to give you step-by-step instructions on how to rectify this then call the company that holds the lien to confirm and finally the tag place to ensure they can do it all. That's pretty much what I did in our situation.
I guess that works fine as long as there's no accident. I assume it would be covered for an accident that occurred while one of us was driving her around, but I never actually looked into that.
Also, if mom still has valid license and clean driving record, just tell them she doesn't care to drive and has you drive her vehicle to take her to dr or shopping. They'll list you both on policy. Nothing wrong with this, they don't ask about health issues in underwriting that I've ever seen so don't volunteer the info. Could be an agent hears dementia & immediately things she'll be driving and plow over a group of children so they don't want the risk. By the way, I've even written a policy for a blind woman. It's obvious she won't drive but owned a vehicle so when she did need to go places she felt independent in her son not putting wear and tear on his car. Also where is the vehicle 'garaged' If you live in seperate places but you keep car, that could be issue because they say she doesn't have control over when and who it's driven by.
Maybe each State has different rules.
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