Reader’s Question:

I am letting my brother use my car until he gets a new car. The vehicle will still be registered under my name in Vermont but can he use his own auto insurance to cover him while driving my car?

John

Burlington, VT

With most insurance providers in Vermont your brother would not be able to transfer his insurance coverage to your car because he had no insurable interest in the car. There are some insurance company that will allow your brother to buy coverage on your car as long as you are listed on the policy.

There are some insurance providers that do not require the registered owner of the car to be the policy holder or be on the policy as a motorist. It is suggested that the owner be listed as an Additional Interest, though, in this case.

I suggest that you continue to insure the car on your policy with your brother listed as a motorist on the policy in Vermont. Additionally, you should inform your insurance broker or agent that your brother will be driving the vehicle on a regular basis. If your brother wants to purchase a policy, I suggest that you are listed on that ca insurance policy.

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