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Old 05-31-2019, 04:22 PM
 
1 posts, read 416 times
Reputation: 10

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Hi there,

I’m moving to Iowa for a temporary job (~7 months) and need a car while I’m here. My dad offered to let me borrow his car, which is registered and insured in NC. It’s still in lien and needs to be paid off which will take about a year or so. I currently live in VA and don’t have car insurance. I will be using the car daily and want to ensure I don’t get into any trouble if I get pulled over or get into an accident.

A few questions:
- will I have to get an IA license if I’m staying here on a temporary basis?
- am I ok to drive my dad’s car if it’s insured in NC and i don’t currently have any car insurance in my name? If I need to get car insurance, is taking out a liability policy here in IA with my dad’s car ok if the car isn’t already insured?

Unfortunately I’m not sure if transferring the title is an option since the car still needs to be paid off and I don’t live in NC anyways.

I know it’s possible to drive under the radar so to speak and not get pulled over or crash but given the amount of time I’ll be living here and the fact that I’m a fairly new driver, I don’t want to take any chances. Any help would be massively appreciated.
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Old 06-03-2019, 11:21 AM
 
61 posts, read 312,298 times
Reputation: 141
There are several sticky questions and liabilities here. Your dad should definitely run it past his car insurer.

You don't need to have a licence or insurance in any state where you're just working temporarily.
The definition of temporarily and what constitutes changing residences is the first sticky question you should research. Usually it involves intent and not simply doing a job. If you're keeping your VA residence then it's not even a question.

If a car owner lends someone their car, that person is covered under the owners insurance, (usually). One exception is children living at home or away at college. They have to be added to the policy. Good reason for your dad to check with his insurer just to make sure. He could always just add you as a driver and you could pay the additional rate.

You could also get your own Non-Owner car insurance. It would only cover liability though.

As far as your worry about being pulled over, there isn't any real issue as long as you have a valid DL and permission to drive the car. Just tell the LEO you're borrowing the car.

I'm absolutely no expert in any of this. My adult son is borrowing my car at the moment (in VA) so I've just happened to research some of this recently. In my case, my insurance company said that since he was no longer living at home (or away in college) he didn't need to be named on my policy specifically, but would be covered under my insurance for the car just like anyone else I might lend it to. He does happen to have his own insurance, but is still covered under mine since he's in my car.

Hope you get it all worked out, and enjoy Iowa!
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Old 06-03-2019, 01:58 PM
 
Location: Des Moines Metro
5,105 posts, read 6,798,791 times
Reputation: 9688
This page might answer some of your Iowa questions:

https://www.iowataxandtags.org/vehic...ked-questions/

As noted above, have your father talk with his insurer. You're taking the car out of state for an extended period (plus you didn't tell us your age, and if you are under 25, that might be a factor), so for sure it's a situation that needs to be discussed with his agent.
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