Auto Insurance Coverage In Missouri
My ex drives a vehicle owned by her parents, the vehicle is in her father's name as is the car note which he pays in full. The only insurance on the vehicle is held by ex father-in-law, he never drives the vehicle (he lives out of state). My ex wife maintains that she is covered under her father's auto insurance as a guest driver and that as a non-owner of the vehicle she cannot buy auto insurance herself to cover the car - is that true? Surely as she is the permanent keeper of the car, this invalidates the 'guest driver' clause?
I am concerned that my kids are being driven around in an uninsured vehicle, furthermore I learned today that one of my kids is also driving the car on a learners permit. The mother maintains that the grandfather's insurance will cover the 15 year old as a guest driver also. My own auto insurance only covers guest drivers over 25, the cost of anything else is just prohibitive. I really don't believe for a minute that Grandpa has stumped up the extra to add a teenage driver to the policy.
I only learned of this today and I really want to find out what I can do if the car is in fact uninsured. Will I have to report ex to the police? I really don't want to cause trouble but I definately do not want any of my kids to ride as either passenger or driver in an uninsured vehicle. I know that if I make a personal request that teenager does not drive the vehicle until it is insured it will be ignored. But I really don't feel a 15 year old should be landed with the responsibility of breaking the law and driving an uninsured vehicle because 'Mommy says it's just Dad making a fuss'.
Thank you for your time.
Re: Auto Insurance Coverage In Missouri
Is she a named driver on her father's policy?
Re: Auto Insurance Coverage In Missouri
No, I'm told (by ex wife) that only her father is a named driver on the insurance policy.
Re: Auto Insurance Coverage In Missouri
Then it probably violates the policy terms, and they are risking that an accident will be deemed not covered by the policy. I can't be sure of the policy terms without reading the policy, but I doubt that the policy permits an indefinite loan to a driver who is not named to the policy.
Re: Auto Insurance Coverage In Missouri
Thank you for your assistance, much appreciated. I will contact my own insurer and if necessary have my child put on my insurance.