Registration and Insurance in two states

by Guest » Mon May 06, 2013 08:33 pm
Guest

I am buying my daughter a car for her 16th birthday. I live in Florida and she lives in Missouri. Her dad won't help on the purchase. She lives with him during the school year and me during the summer and breaks.

Do I register the car in Florida (since I am the owner) and let her drive it in missouri with Florida license plates. Can I register it in Missouri under her name even though shes just turning 16? Who pays for her insurance since she will have a missouri drivers license?

I'm confused but do not want her to be without a car.

Thanks for any help!!

Total Comments: 2

Posted: Tue May 07, 2013 07:21 am Post Subject:

You can register the car in your name in Florida. However, your daughter must have the intermediate license to drive it. As far as driving it in Missouri is concerned you'll have to get the car registered in your name over there too.

No, you can’t register the car in your daughter’s name. Its 18 years for any person to own a car in any state. You can have it in her name though, but then you’ll have to hold the car in trust since she won’t be able to become a party to an obligatory contract like vehicle ownership. Moreover, she won’t be able to sign a finance agreement as well.

Posted: Wed Jun 12, 2013 03:27 pm Post Subject:

No, you can’t register the car in your daughter’s name. Its 18 years for any person to own a car in any state.

Pure BS. Anyone may be the registered owner of a vehicle at any age. The legal owner does not have to be the registered owner. But adamsarthur wouldn't know this because he does not have any insurance licenses.

you’ll have to hold the car in trust since she won’t be able to become a party to an obligatory contract like vehicle ownership. Moreover, she won’t be able to sign a finance agreement as well.

That, too is just plain nonsense. Nothing in the OP's post indicates that the child will be involved in a finance contract. Vehicle ownership is not a contractual relationship, it is simply a personal property interest. Although a 1-year-old could lawfully be the owner of a vehicle, it does present challenges in the future when it comes to things that might involve contractual matters.

What is true is that every licensed driver must be able to show proof of financial responsibility when driving, the easiest of which is insurance. Every state that licenses children age 16 or older to drive also allows a child that age to contract for auto insurance.

That doesn't mean their insurance will be inexpensive. It is almost always best to combine a child's vehicle with others in a multi-vehicle policy, in order to obtain a discount in the premium for the insurance..

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