Originally Posted by
KeepItSimpleStupid
The car is usually insured, however their may be age restrictions as to who can drive your car with permission and be insured. Could even be, for example, that no one under 25 unless specifically insured, can drive your vehicle. 25 is a typical age.
Insurance companies then add some household rules. Having 3 cars, 2 adults and one teenager, the teenager would be insured under the most expensive vehicle even if the teenager doesn't drive it.
Motor vehicle makes sure the registration and insurance names match.
You can even be in a situation where two family members have two cars and insured by two different policies from the same insurance company under two different names, but share a multi-car discount.
If he gets into an accident and it's his fault, your rates go up. If the car gets totaled, your without a car.