Q&A: Can a car be considered stolen if you are listed as a driver on the insurance?
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Question by Fluffy Girl: Can a car be considered stolen if you are listed as a driver on the insurance?
I am 21 and under my parents car insurance which I help to pay for. If I were to take the car, which is registered under my father’s name, out without their permission and they called the police to report it stolen, would this be a valid claim? Could my driving a car without permission even though I am under the insurance count as stealing? (I am not planning on stealing a car, just sometimes I would like to use my car and they threaten that if I do without their permission that they can always go and say its stolen)
Best answer:
Answer by Dave87gn
YES
Know better? Leave your own answer in the comments!
It sucks but yes because the car is in him name but it will also depend on the police department because if you show them reciepts where you have made payments as well as your ins. Card they may sweep it under the rug. But legally the car belongs to him if it only has his name on it.
You’re 21. Get your own car and pay your own insurance. You can then drive it anytime you want.
Car and insurance are two separate things.
Is the car registered in your name? If not, it is not your car. If you use it without the registered owner’s permission, you could be charged with stealing the car.
when you do take the car,make sure you got copy of policy,that way when or if they stop you you show were you’re making payment,but the best answer is just buy the car from your dad.
You could be charged with Unauthorized Use of a motor vehicle. You don’t own it, so you need permission to use it.
Sounds as if they are keeping the car in their name, AND claiming it as “theirs” in order to keep the insurance down. This legally MAKES IT their car, and under their control. Yes, it could thus be reported as stealing the car.
Since you say it IS “your” car, then it should be in your name, and you should be buying the insurance in your own name. If you were being honest with the insurance company.. this would not be an issue. Yes, it would mean higher rates. It would also mean that YOU are being fully responsible for being legal.
It’s registered under his name, the car is his. It wouldn’t be stolen and would be a good deal for you at all.