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Started By
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Letting someone "borrow your car" - how to go about it legally
Posted on 3/6/18 at 7:09 am
Posted on 3/6/18 at 7:09 am
So here is the situation
I'm out of town and I have an older secondary vehicle that is in my garage
One of my friends in TX wants to buy the car for use in Louisiana where he will be working so he can fly back and forth from TX to LA.
I'm not interested in selling the car but have no problem letting him borrow it.
That being said, what do I need to do for him to drive it legally? Is it as simple as just adding his name to my insurance for the vehicle?
I'm out of town and I have an older secondary vehicle that is in my garage
One of my friends in TX wants to buy the car for use in Louisiana where he will be working so he can fly back and forth from TX to LA.
I'm not interested in selling the car but have no problem letting him borrow it.
That being said, what do I need to do for him to drive it legally? Is it as simple as just adding his name to my insurance for the vehicle?
24
Posted on 3/6/18 at 7:11 am to Powerman
Shouldn't his insurance cover it?
Posted on 3/6/18 at 7:12 am to Powerman
Isn’t he covers through his own car insurance? If not, yours will probably cover him, but I would call just to be sure.
Posted on 3/6/18 at 7:12 am to Powerman
If he will be paying his share of the increase of premium, I see no problem with it.
Just keep in mind if he gets into any trouble while in your vehicle, they will impound it and you will be responsible for getting it out.
Just keep in mind if he gets into any trouble while in your vehicle, they will impound it and you will be responsible for getting it out.
Posted on 3/6/18 at 7:13 am to Coomdaddy
quote:
Shouldn't his insurance cover it?
Yes, but I believe OP is concerned about his friend's ID not matching the registration and insurance documents in the car.
Posted on 3/6/18 at 7:14 am to Powerman
If your car is replacing his and he has your permission, his insurance will carry over and be primary.
Posted on 3/6/18 at 7:14 am to Coomdaddy
quote:
Shouldn't his insurance cover it?
I suppose
I just want to make sure that in the event that he gets pulled over he isn't questioned about why he is driving my vehicle
Or would he just say "I'm borrowing this car from a friend" and that goes completely unquestioned?
Posted on 3/6/18 at 7:15 am to CaptainsWafer
quote:
If your car is replacing his and he has your permission, his insurance will carry over and be primary.
He will still drive his truck when he is in TX
This is just for use in LA
Posted on 3/6/18 at 7:15 am to Powerman
It will be suspicious AF since he’s out of state and not the registered owner and the insurance isn’t in his name.
We may see this guy on Live PD.
We may see this guy on Live PD.
Posted on 3/6/18 at 7:16 am to Powerman
you living in Virginia now??
Posted on 3/6/18 at 7:16 am to CaptainsWafer
quote:
It will be suspicious AF since he’s out of state and not the registered owner and the insurance isn’t in his name.
Right
Which is why I'm wondering if I can just add his name to the insurance, get him to compensate me and he can print out the insurance card with his name on it and everything in theory would be good?
Posted on 3/6/18 at 7:16 am to Powerman
Yea if his truck is withdrawn from or not being used while using yours then his insurance will be primary.
Only problem might be if they know it’s for his regular use, they may deny coverage then yours would be next in line.
Only problem might be if they know it’s for his regular use, they may deny coverage then yours would be next in line.
Posted on 3/6/18 at 7:17 am to Pilot Tiger
quote:
you living in Virginia now??
Still live in TX but will be in VA for over a year on a work assignment
Posted on 3/6/18 at 7:19 am to Powerman
In Texas you can add a person to your insurance to “NOT cover”. It’s a bullshite law. My dad got hit by an illegal that totaled his truck. The owner of the vehicle had insurance but specifically excluded the driver from coverage.
As a result my dad’s insurance had to cover the cost and of course his insurance will go up.
As a result my dad’s insurance had to cover the cost and of course his insurance will go up.
Posted on 3/6/18 at 7:20 am to Oddibe
quote:
The owner of the vehicle had insurance but specifically excluded the driver from coverage.
As a result my dad’s insurance had to cover the cost and of course his insurance will go up.
And why didn't the driver have to pay?
Posted on 3/6/18 at 7:21 am to TH03
quote:
And why didn't the driver have to pay?
All I can think is they were not at fault
Posted on 3/6/18 at 7:22 am to Powerman
Yeah I feel like some details were left out
Posted on 3/6/18 at 7:22 am to CaptainsWafer
Unless you're buddy is a criminal it's not a big deal. If he gets pulled over for speeding just tell them in the area working for the week so a friend of mine let me borrow his car when I needed it. Pretty simple.
If anything just tell him to keep a copy of his insurance along with his DL and your insurance/registration. It's fine.
If anything just tell him to keep a copy of his insurance along with his DL and your insurance/registration. It's fine.
Posted on 3/6/18 at 7:23 am to TH03
quote:He had no assets and no means of paying.
And why didn't the driver have to pay?
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