NLIC.org

Mattie Said:

Question about Registration and Insurance in NY?

We Answered:

autoinsurance.maclenet.com - try this one. I have their car insurance and, as I know, they can provide such a service.

Luis Said:

No license/expired registration/insurance in full effect and new title...? In NY.?

We Answered:

As long as you have the vehicle insured, you MUST notify the insurance company of your new address. They may honor your old address anyway because there are special rules for full time college students attending school away from home. You must also notify them of anyone who lives in your household who holds a valid drivers license. BY not notifying them of your present address, you could be cited for insurance fraud. It makes no difference if your brother ever drives the car or not. You still MUST notify the insurance company that he lives with you.

You do not have to license the car just because you have a title in your name.
Read below for the rules on "households" and auto insurance


Insurance companies want to know about all licensed household members (it does not matter if they are young or old) so they can calculate their potential risks for having you and these drivers covered by your insurance policy. When you purchase liability insurance (which every auto insurance policy has), there is a law that < REQUIRES > insurance companies to cover all household members who have a drivers license. Most all insurance companies will require that you either add licensed household members to the policy or exclude them. This is because as household members it is assumed they have access to your vehicles and may drive them at any time. These drivers are thus a risk/rating factor to be taken into consideration.
Many state laws require it, and your policy contract has in it terms that say you must inform them of licensed drivers dwelling in your household, so that they can add him as a driver to your policy and rate accordingly or exclude him. Excluding anyone from your car insurance would mean that you are not paying extra on your policy to have him/her as a driver and thus they are not extended any coverage by your insurance policy if they were to drive your car and be in an accident, even if it were an emergency situation.
So most insurance companies will require you to place the non-relative household member on your insurance policy as a driver if he is licensed. All licensed household members are normally required to be listed as a driver or excluded on an auto insurance policy by the insurance provider.
If you have a licensed household member, whether a relative, roommate, etc, the insurer believes that the person will have access to your vehicle and thus is a rating factor that should be on your insurance policy. If the person really is not going to drive the insured vehicle then there should not be an issue with excluding them. Without you signing off on the exclusion the insurance company cannot really believe that a licensed household member may not drive your car.
State laws differ however. Typically, insurance companies are allowed to use classifications that reflect a possible exposure for liability on the part of the insurer, in the event that bodily injury or property damage occurs due to the operation of the vehicle by anyone in your household.
The perceived risk for non-household members by an insurance company is different and that is why you can normally let a friend that does not live with you borrow your vehicle without adding him or her to your policy.
A friend may occasionally borrow your car and be covered by your insurance because they do not have regular access to your car and thus are not rated as a risk factor on your policy. If you do have someone outside of the household that regularly drives your car then normally an insurance carrier usually would also want this person listed an occasional driver so they would be properly covered in an accident.

Louise Said:

NY insurance/car title?

We Answered:

In NY, a vehicle can be titled in one individual's name and registered in another's. If you are the one maintaining the insurance, the vehicle must be registered in your name.

Stephen Said:

is it possible to have my name on title and car insurance under my brother same city we live in NY?

We Answered:

I'm not really sure I understand the question.. But if I'm understanding it correctly only the titled person of the car can have insurance under there own name.. Unless you are under your parents insurance.

Jaime Said:

Can I transfer a car title without insurance?

We Answered:

yup... It's not YOU that needs to have the insurance, it's the person you're transferring the title to.

Sam Said:

Starting a title insurance agency in NYC?

We Answered:

Honey, you know NOTHING about the business! Any advice you get over the internet will be worth EXACTLY what you pay for it - NOTHING.

Since you have NO IDEA how the business works, I'd STRONGLY suggest getting a job at a title insurance agency!! Even answering the phones would teach you about how it works!!

It completely amazes me that people think that you don't need any knowledge or backround to start/run a successful business. I'll tell you right now, with NO EXPERIENCE, no one will give you any insurance, E&O, or GL, and you'll have to provide a letter of credit for the bonds!!! No one will let you sell their POLICY! Which means, you can only be bonded for your $100,000 if you post $100,000 CASH!!!v And you're NOT going to make any money.


** that is NOT a belittling answer. It's a real world answer. You want to start a business, and you have no idea how it works, or how to run it, or what your expenses will be, or what you need to get started. I gave you a REAL WORLD ANSWER - if you're not willing to hire a business consultant ($120,000 a year, estimate) to train you up, then the NEXT best way to get your answer is to get a job in the field.

Know what they call entrepeneurs that rely on anonymous, unspecific internet advice to start up a company, in a field in which they KNOW NOTHING? BANKRUPT.**

Carolyn Said:

Should I purchase owner's title insurance if I buy a house in Watertown NY?

We Answered:

Unless you are paying cash for the house, you won't have a choice - the lender will require you to purchase it.

It's a good idea, anyway.