Insurance responsibility question

[EmmaGrace]

What is the name of your state? OH

X and I have been divorced for 10 years. We share 50/50 custody. Neither pays child support to the other as the children alternate weeks between houses.

My husband and I bought 16 yr old a car (nothing expensive). Partially, to make things easier for her (X grumbles about driving her to activities, so she stopped signing up for things). Currently, she holds a temp permit. She will be getting the 'real thing' next week.

Questions: Who is responsible for paying the auto insurance, if she's not paying it herself (which she will, once she starts working this summer)?

Currently, she is covered by our insurance when she drives our cars, and X's when she drives his. But things change when she gets the real license. Then she is considered a youthful driver, and it goes up quite a bit.

Do we each have to insure her as a youthful driver at each home? Split the cost?(which means I will have to pay for it all, X will never contribute).

We are giving her the car, but it's still registered under my husband's name. Should we put it in her name?

If we do end up paying for her insurance, is she still covered if she drives any of the cars at her father's house?

Thanks!

 

[ALawyer]

Sorry, this is a recurrent question, but it varies from state to state.

Usually putting it in her name does one thing -- it prevents you from being sued as owner, and with any youthful driver, that's a blessing.

The good news -- in a few years she'll be 21.

 

[ablessin]

You're not required to cover her on your policy nor his ex required to cover her on his policy.

Driving is a priveledge, not a right. Teens need to learn this. When I obtained my license, neither of my parents (also divorced) carried me on their policies - for 2 reasons:

1. Cost
2. When you're paying for something out of your OWN pocket, you tend to take care of it better. For car insurance, it works the same way : if the child is paying for it, they're more apt to drive safely because they (should) know that any infraction will make that monthly payment go up.

You can check with your carrier, I use State Farm, and good students show their report card and get a discount on their policy. They probably feel that good students are apt to be better drivers.