Car ownership/registration question

22 y/o daughter lives/works in NYS.  She has to replace a totaled car.  She can buy it outright herself but would of course like to stay on parental car insurance.  Can her name go on title and which state does the car get registered in to stay on my ins?

ETA: Should we be co-owners?


Your name on the title puts you at risk if she has an accident. Exponential risk if the accident is serious. 

Do you have umbrella insurance in addition to auto and homeowners/rental?

I know this isn't an answer to your specific question.


She is already on ourinsurance and the recent accident is on record.  We know our rates are tied in and are willing to continue for now if do-able.


Will she be buying the new car in NYS? If so she will have to take out insurance in NYS. Has to match the address of the owner. You can buy it in NJ. Put it in your name and insure it in NJ. Add her as a driver. 



No. If her name is on the title she has to get the insurance.


What if there are  two names on the title?  In reality I want her to get the bump in her creditworthiness since she can quickly pay it off.  Just hoping to save her some insurance $.  


nakaille said:
What if there are  two names on the title?  In reality I want her to get the bump in her creditworthiness since she can quickly pay it off.  Just hoping to save her some insurance $.  

 Call your insurance carrier. They will be able to help.


nakaille said:
She is already on ourinsurance and the recent accident is on record.  We know our rates are tied in and are willing to continue for now if do-able.

 My reference is about future (lets hope not) accidents. A serious accident by any driver can cause a crisis.


tinboy said:
No. If her name is on the title she has to get the insurance.

 Not true. My nephew is the sole owner of his car. Title in his name only. He was on his father’s insurance policy. This was in NY


Daughter and Mom live in different states.  Problem is different from nephew and his father both living in the same state.


nakaille said:
What if there are  two names on the title?  In reality I want her to get the bump in her creditworthiness since she can quickly pay it off.  Just hoping to save her some insurance $.  

 When I had Liberty Mutual they said my son had to get his own insurance. I changed to Farmers which allowed his car (both our names on title) to be on our insurance.


When I was 22 the car was in my name but I was on my parents' policy. However, I lived in the same house.  I'm not sure it will work if you have different addresses.


State Farm told us when son was working and living in a different state (and no longer "temporary" as in college), he had to get a separate policy, in the state where he lived.  I think it would have been the same if in same state but different household.  Even though the car was owned/registered by us, not him.


nephew and his father do not live in same household but they both live in same state 


We have since gotten nephew his own policy because it was cheaper because his parent (s) have lots of tickets and terrible finances.


If there's an accident and the insurance company finds out that the car was not garaged at the insured address(your house), they can and will deny coverage.


State Farm seemed to be OK with a car being garaged in a location other than the primary insured's location, as long as they knew where the car actually was garaged.  Their cutoff point seemed to be when they considered the kid to be a separate household, ie, out of school and working.

But yes, absolutely, if it's garaged in a place other than what is in their records, that could void the coverage.


Thanks all for your helpful comments.


mjc said:
State Farm seemed to be OK with a car being garaged in a location other than the primary insured's location, as long as they knew where the car actually was garaged.  Their cutoff point seemed to be when they considered the kid to be a separate household, ie, out of school and working.
But yes, absolutely, if it's garaged in a place other than what is in their records, that could void the coverage.

 We have the same situation - one car is garaged in another state, where the kid is in school.  But the car is registered and insured in NJ.



Before my son took his car to college in upstate in NY all three cars were insured under our NJ Geico policy. Once he took his car to college I called Geico who also underwrites in NY and we got his car on a NY policy but the registration stayed in NJ. That brought down our insurance considerably and he was allowed to keep his registration in NJ since he had the college student exception for that.



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