My son’s car broke down, so we’re using my grandfather’s car while he looks for a new one. Quick question about insurance: Should we keep the insurance on the car that no longer works until he finds a replacement, or is it unnecessary since my grandfather has his own insurance on the vehicle we’re currently using? This is in Ontario, Canada. Thanks!
Son’s car died, using Grandfathers car till he finds a new one. Insurance Question
In Ontario, Canada, it’s important to have insurance for any vehicle that is being driven, even if it’s a car that belongs to someone else, like your grandfather’s. Here are a couple of points to consider:
Insurance on the Grandfather’s Car: If your grandfather’s car is being used by your son, it should have its own insurance policy. Typically, any driver covered under that policy would also be protected, but it’s best to check the specifics with the insurance provider. Ensure that your son is listed as a permitted driver on his grandfather’s insurance policy.
Insurance on the Son’s Car: If the son is no longer using his car and has it officially off the road (e.g., registered with service Ontario), he might not need to continue paying for the insurance on the car that died. However, it may be wise to keep the insurance active until he secures a new vehicle, especially to protect against any potential liability.
Consult with Insurance Provider: The most accurate guidance would come from speaking directly with your insurance provider. They can clarify the best course of action regarding his old policy and how to navigate using his grandfather’s vehicle.
Always ensure that any car being driven is adequately insured to comply with Ontario’s insurance laws and to protect against liability in case of an accident.