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My husband is no longer driving, and thus he does not have a driver’s license. The title of our vehicle shows both his and my names. My auto insurance agency says my husband also has to have auto insurance in order for him to be covered while I am driving for him. My state DMV says it’s not necessary. It depends on insurance company. What do you do for your LOs to be protected while you are driving for them?

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Thank you all. This will be an issue when I go to my parent's home to care for them in June. What is a POA? My dad has been curtailing his driving since minor accidents and losing his car but still goes to buy groceries. I'll be doing all of that. If I change the insurance policy I'm worried my family will think I'm trying to get ownership of the car. Sad, yes, but possible. Your feedback has been helpful especially in knowing I'm not alone. All I care about is someone getting hurt!
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What we had to do was have my mom and dad listed as excluded. What this did was to say they do not drive...but should my mom get in the car when no one is looking (she won't) it will still insure her. We do not pay for them to be on it...but according to the insurance company every person or driving age living in your household must be listed on the policy.
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Thank you all for the advice and suggestions. I do have my own driver's license, and the car is paid off. My husband decided not to drive ever since he had a very minor accident away before he was diagnosed. He has now ID card instead of driver's license. The insurance company knows I am the principal driver. I just want to know how I can save money while my husband is also protected. Do I need to accident insurance for him if I take off his name from the auto insurance?
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If he still has a current driver's license, he has to have insurance. If the license is expired or turned in, you have to prove that to the insurance company to take him off as the principal driver. The title may have both names, but I have a feeling the DMV registration shows HIS name and that has to change to YOUR name. Registration and Title are two different things.
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Auto insurance protects the car. As part of the application, information about drivers in the household is collected and their driving records are checked. If the insurance company is seeking information on him, take him off the title. Since he has dementia, have you taken precautions to be sure he doesn't drive?The POA can sign for him to change the car title.
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If the car is paid for change the title to just you and take him off the policy as a driver.
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Is there a reason you don't have car insurance yourself? My husband and I are on the same policy for car insurance, but each had to have our driving records checked individually of course. My mother-in-law still owns a pickup that was my father-in-law's, that we keep at our house for family that might need it. She's still the one that has it insured, but we all drive it when necessary. As long as the person who is driving her truck, (with her permission as per State Farms instructions) has car insurance of their own, they can drive it.
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