Does my mom need to be included on my auto policy?
My car is registered in both my name and my mom’s, and she is also listed on the loan. We each have our own auto insurance since we don’t live together. For several years, I’ve added her as an additional insured driver. Is this still necessary if she never drives my car? We both reside in Florida, if that makes a difference.
It’s great that you’re considering the insurance implications! In Florida, if your mom is listed on the title and loan of the vehicle, it may be beneficial to keep her as an additional insured driver on your policy, even if she doesn’t drive your car. This is because her status as a co-owner can have implications for liability coverage in case of an accident.
However, since you both have separate auto policies and she rarely drives your car, you could check with your insurance provider to see if it’s possible to remove her from your policy. Just ensure you understand the potential risks or coverage gaps that might arise if she is not insured on your vehicle policy.
Ultimately, the best course of action is to talk to your insurance company for tailored advice that fits your specific situation. They can clarify what the best approach is based on your coverage needs and any legal requirements.