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Old 01-04-2012, 06:10 PM
106 posts, read 289,866 times
Reputation: 93


My father died on Christmas day. He left me his car. He has paid upfrot in full for liability coverage that expires on the 15th of December this year. He's the only person listed on his policy.

I talked to farmer's insurance, and they said I am covered by his insurance. But another local insurance company tells me that I'm not covered.

EDIT: Also, I talked to his insurance company (known to be shady) and they told me I would have to purchase my own policy to have any kind of coverage, and they would not refund my dad's payment.

Am I covered?

Last edited by crashoran; 01-04-2012 at 06:33 PM..
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Old 01-04-2012, 07:38 PM
597 posts, read 1,235,783 times
Reputation: 328
Just get your own policy. If it's liability it's dirt cheap. I recommend Amica. I pay $500 a year for liability coverage.
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Old 01-04-2012, 07:45 PM
Location: Round Rock
481 posts, read 2,312,576 times
Reputation: 250
So sorry for your loss.

Someone has to cancel your father's policy - usually the person who is handling the estate - and the auto insurance co has to give his estate the refund. They will need to copy of the death certificate.

You need to get your own policy and get the car titled in your name. Amica is good and cheap as well as Progressive. I'd call the DMV on how to get the title thing done correctly.

Good luck. It will not be easy to get this all worked out. Since your father passed, he can not give you permission to drive the car therefore you are not insured.
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Old 01-04-2012, 09:58 PM
Location: Avery Ranch, Austin, TX
8,972 posts, read 16,179,023 times
Reputation: 3975
And get a good look at the title. When our uncle died a few years back, no one thought to look at the car title that had both(aunt and uncle) names on it. A few years later, it was a bit of a mess to get the title released with just our aunt's signature(even though our uncle passed 3 years before).

You'll want a clear understanding of where that vehicle was intended to go. Do you have anything in writing? Don't assume anything. If you don't have a paper trail, you may not even be able to insure "someone else's" vehicle.

Our experience with Watkins Insurance has been excellent. If you give them a call, they can offer advice on coverage needed and the best carrier.
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