Our daughter currently lives with us and drives a car that's paid for and titled in my name, and she's on our auto insurance policy along with my wife and I.
We are planning when she gets married in 2 months to transfer the car to her and then she and her husband can do their car insurance together (he has a car as well, but don't know what insurance he has).
What's the best way to handle this? Does it need to be done before the wedding? When we transfer the title (Ohio, just giving her the car, but there's obviously title transfer process to do and therefore new registration and I think plates too), does she need to already have the new insurance set up?
How to handle auto insurance with daughter getting married?
byu/dboytim inInsurance
Posted by dboytim
2 Comments
Best way to do this is keep it simple and don’t leave a gap.
She should have her own insurance lined up to start the same day the title transfers, or the day before. The moment the car is titled in her name, your policy can get messy because you technically no longer own it, and insurers don’t like insuring vehicles you don’t have an insurable interest in.
You do not need to do it before the wedding. The wedding itself is irrelevant to coverage. What matters is who owns the car, where it’s garaged, and who the drivers are.
In Ohio, assume the BMV will require proof of insurance when she registers it. So yes, have the new policy active first, then transfer title and register. After that, you remove the vehicle and her as a driver from your policy. Keep copies of the title transfer paperwork in case anything overlaps for a day or two.
Does her husband live with you too, or will she be moving out to live with him when they get married?
Every licensed driver that lives with you should be on your policy as they have implied use of your vehicles unless otherwise excluded from your policy.
So in short, wait until she moves out to transfer the title.