Reply #25: I disagree...

[Solo_in_MD]

You can not have an appropriate licence, own the vehicle, insure it for certain drivers without any issue whatsoever. You can not operate the vehicle without a license and if you do, you would not be covered. What I am saying is in perfect agreement with what you are posting.


Let me give you a couple of examples:

Teenage son buys a used motorcycle, but since he is under 18, it is registered in the name of his parents. The teenager is the only person with a license, the adults do not have motorcycle endorsements. It is on the famliy auto insurance policy with him listed as the only rider. The son will have coverage when he rides, should the either of the parents ride it, they would not.

Elderly person has a stroke and can no longer drive. However there are family members and caregivers who drive the car for them (errands, medical appts, etc). The stroke victim turns in their license but continues to own the car, and insures it appropriately. If they ever drive it, they would be uninsured.

I buy a commercial truck for my small business. I hire a driver and insure it appropriately. He is covered while drving the truck, I am not, even though it is in my name.


I do not see why you are hammering on a non-issue