Car insurance for someone who doesn't drive
June 10, 2014 2:25 PM Subscribe
My mother wants to give me her car so I can insure it for her - is this insurance fraud?
posted by chocolatepeanutbuttercup to Travel & Transportation (17 answers total)
I know you're not my insurance agent or my lawyer. I will be consulting with my insurance agent shortly, but I wanted to get an idea of possible issues before I call.
My mother is elderly, legally blind and no longer has a driver's licence. But she does have a car, that she has other people drive her around in - sometimes a neighbor, sometimes a person specifically hired to drive her, and sometimes relatives visiting from out of town.
She went to renew her insurance and was told that since she no longer drives, the company won't insure the car. I told her to just sell the car, but she is totally unwilling to do that. She wants to transfer it to me (say, sell it to me for $1) and have me insure it under my name and then she can continue to use it as she has been. She would pay me for the insurance charges as well as any costs involved in transferring the title.
It's a 2010 Mazda (I don't know what model.)
We're in New York.
I don't have any problem doing this for her if it's legal, but is there an additional down side I'm not seeing?