Auto Insurance Question For New York Driver
Reader’s Question:
If somebody else is the primary driver on a car, can I insure and register it under my name in Buffalo, New York? I do not have a valid drivers license by the way.
Kelley
Buffalo, NY
Normally insurance companies in Buffalo, New York require you to have a valid US driver’s license before you can get insurance on a car that is titled and registered under your name. Some insurance carriers will permit you to be excluded as a driver and have someone with a drivers license to be the primary driver on the car. The driving record of the primary driver will be used as the rating factor for the car insurance rate.
However car insurance carriers differ on their guidelines and rules so you might be able to find an insurance company that may allow you to insure the car under your name and have someone be the primary drivers. Some of the reason that this may be allowed, if for instance you are elderly and turned in your license or if you have medical conditions etc.
You can shop around for car insurance carriers in Buffalo, New York to see if you can find an insurance provider that will allow you to insure a car under your name and have somebody else the the primary driver. You may also contact the NYS Insurance Department and see if they can assist you find an insurance carrier that will write a policy for you.
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