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Driving A Car For Extended Period Registered To Another Person In Another State?

Unemployment Insurance and Employment Discussion

Driving A Car For Extended Period Registered To Another Person In Another State?

Postby Oakley » Sat Oct 07, 2017 11:20 am

My Mom recently passed away and my father is making arrangements for me to drive her car. Since I am one of the 14 million that have been unemployed since October 2010 (declined for unemployment) I have no income to buy the car from him, or pay for the insurance. and must have a vehicle when I actually do get a job. (Too much info I'm sure). Anyway, my father has since had the car re-registered in his name in the state of Mississippi. I live in Missouri. The objective is for him to loan me the car for an extended period of time to drive in Missouri full-time. The vehicle will remain registered in his name and is insured by State Farm in the state of Mississippi. His SF agent told him he could add me as a driver to his policy. He carries full coverage. What are the implications of this scenario with regard to insurance and motor vehicle laws? Essentially, I will be driving a vehicle in a another state that is registered to someone else, in another state. You don't know what you don't know so I don't know where to start. Do I need to be compliant in both states? Or, just Missouri? I just want to make sure from an insurance standpoint I am covered for the worst case scenario and that if I were pulled over by an officer in Missouri I have the necessary paperwork to show them. Can anyone tell me what the red flags are in this situation and what I need to do to adequately protect myself, others in the event of an accident, and to be legal while driving in the State of Missouri? Many thanks in advance!
Oakley
 
Posts: 49
Joined: Fri Jan 31, 2014 12:05 pm

Driving A Car For Extended Period Registered To Another Person In Another State?

Postby Kirby » Sun Oct 08, 2017 12:37 pm

Your dad's agent is right.
Get started by adding yourself as a driver.
If you stay in a different state after a little while, have the policy transferred to an agent in your state.
Kirby
 
Posts: 45
Joined: Fri Jan 31, 2014 5:12 pm

Driving A Car For Extended Period Registered To Another Person In Another State?

Postby Lorin » Mon Oct 09, 2017 2:36 pm

The main red flag is that insurance rates are based on where a car is regularly "garaged" ("garaged" means parked overnight, even if it is really outdoors and not in a garage).
Adding you as an additional driver is sufficient allow you to drive it, but not to allow you to keep it where you live.
If you are going to keep it where you live, then they need to change the address on the policy.
Lorin
 
Posts: 47
Joined: Thu Jan 02, 2014 9:41 pm

Driving A Car For Extended Period Registered To Another Person In Another State?

Postby Yaron » Mon Oct 09, 2017 4:08 pm

Legally you are required to get a new drivers license and new registration within 30 days of moving to a new state.
Unless someone turns you in you will probably be able to get away with it.
If you are stopped by the police they will request to see drivers license,registration and insurance and if all 3 items show the Mississippi address you will be ok.
If you have an accident,you just tell the company that you are" temporarily" in Missouri for work or school Good Luck
Yaron
 
Posts: 60
Joined: Wed Jan 01, 2014 11:17 am


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