Seeking Advice on Insuring a Vehicle as a Non-Driver in California
Hello everyone,
I’m reaching out because I’m looking to buy a wheelchair accessible vehicle (WAV) but I cannot drive due to my disability. Here’s a bit of background about my situation:
I received my driver’s license at 16 but suffered a car accident at 18 that led to my current dependence on a motorized wheelchair. I need a WAV to accommodate my mobility needs.
Previously, my family purchased a budget-friendly van outright, which is registered in my parents’ name. Now, I’m in a position to buy my own used WAV, which costs around $80k. I have a steady job and will be financing this purchase, so I can manage the payments.
My main question is: how can I insure this vehicle as a non-driver while still being the owner? My parents, with whom I live, would be the insured drivers. Would it be better to purchase the vehicle in their name instead of mine?
Just a side note: I currently own another vehicle and have an auto policy where I was listed as the insured driver, as I still had my license at that time. My parents were added as drivers as well. However, my insurance costs over $3k annually, which feels excessive since I’m unable to drive. Technically, I might not even be eligible for a license due to my disability, but my renewal was automatically processed online during the pandemic.
Any advice or insights would be greatly appreciated. Thank you!
It sounds like you’re navigating a unique situation! Here are some options and suggestions for insuring a vehicle you plan to purchase but can’t drive due to your disability:
Purchase in Parents’ Name: It might be a good idea to purchase the vehicle in your parents’ name, especially since they will be the primary drivers. This could help simplify insurance and may also lead to lower premiums.
Insurance Policy: Make sure to have an insurance policy that lists your parents as the primary drivers while including you as an additional insured driver. This way, even if you can’t drive, you’re still covered if you’re ever in the vehicle.
Consult with an Insurance Agent: Speak to a local insurance agent who specializes in auto insurance. They can provide information tailored to your specific situation and help find a policy that works for your needs. Be upfront about your circumstances, and they may have insights on discounts or options that could reduce your costs.
Non-Driver Policy: Some insurance companies offer policies specifically for vehicle owners who do not drive. Ask about this option, as it could potentially lower your rates significantly compared to a standard auto policy.
Using a Driver: If your parents or another family member (who has a valid driver’s license) will be primarily driving the vehicle, ensure that they understand their responsibilities as named drivers under the policy.
Consider Applying for Disability Grants: There are programs and grants available to individuals with disabilities that can assist with the costs of purchasing accessible vehicles, which could alleviate some financial pressure.
Reevaluate Your License: Since you mentioned that you might not be legally able to hold a driver’s license due to your disability, you might want to discuss this with the DMV to understand your options. Consider surrendering your license if it’s no longer appropriate for your situation.
Ultimately, since this is a fairly specialized scenario, consulting with professionals in both insurance and disability services will lead you to the most suitable solution. Best of luck with your new vehicle!