Can You Put Insurance On Someone Else's Car

30 April 2023 Finance

Car insurance can be a complicated topic, especially when it comes to situations involving someone else’s car. In this post, we’ll explore some common scenarios and answer some frequently asked questions about car insurance in Ontario.

Table of Contents

Someone Hit My Parked Car – What Should I Do Next?

If your parked car has been hit by another vehicle, there are a few steps you should take:

Take photos of any damage to your car and the other vehicle
Get the other driver’s contact and insurance information
Contact your own insurance company to report the incident
File a police report

You may be able to make a claim against the other driver’s insurance to cover the cost of repairs to your car. If the other driver is uninsured or has insufficient insurance, you may need to make a claim against your own insurance policy.

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Can You Drive Someone Else’s Car Without Insurance in Ontario?

It’s always a good idea to have insurance when driving any vehicle, even if it’s not your own. In Ontario, the law requires that all drivers carry a minimum amount of liability insurance.

If you drive someone else’s car and are involved in an accident, the owner’s insurance policy may provide coverage for any damages or injuries that result from the accident. However, this will depend on the specific terms of the policy.

Can You Get Car Insurance If The Car Is In Someone Else’s Name?

Yes, you can still get car insurance even if the car is registered under someone else’s name. In fact, many people insure cars that they don’t own, such as those owned by family members or friends.

When you apply for car insurance, you’ll need to provide information about the car and its registered owner. The premiums you’ll pay will be based on factors such as the car’s make and model, your driving record, and the level of coverage you require.

Can You Drive Someone Else’s Car Regularly?

If you plan to regularly drive someone else’s car, you should consider getting added to their insurance policy as a named driver. This will ensure that you’re covered in case of an accident or other incident.

When you’re added to someone else’s policy, their insurance premiums may go up. However, this cost is typically less than it would be to take out your own insurance policy.

Can I Add Someone To My Car Insurance That Doesn’t Live With Me?

Yes, you can add someone to your car insurance policy even if they don’t live with you. This is common for parents who want to insure their child’s car that is registered in the child’s name but still want to be covered under their own policy.

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When you add someone to your policy, their driving record and other factors can impact your premiums. It’s important to discuss the potential impact on your policy and premiums with your insurance provider before adding someone to your policy.

Conclusion

Car insurance can be confusing, especially when it comes to situations involving someone else’s car. By following these tips and understanding the rules and regulations in Ontario, you can ensure that you’re fully covered and protected in any situation.

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