Legal Question in Insurance Law in Missouri
No Car Insurance Because I'm Not a Licensed Driver
My husband died last month. I want to keep our car and hire people to take me places in it. (I am handicapped and it is big enough to accomodate my walker). But our car insurace says I can't insure my car because I don't have a driver's license. I can't license my car without insurance. There is no one in state that I would be willing to put on the car title (it is still in my husband's name.) Can the state of Missouri deny me vehicle insurance because I am unlicensed and don't drive?
1 Answer from Attorneys
Re: No Car Insurance Because I'm Not a Licensed Driver
Your broker/agent should be able to have the vehicle
insured - with you as owner and someone else as the
authorized driver - without any trouble. You have
an insurable interest in the vehicle, and the fact
you do not drive means that only the "authorized driver"
needs to have liability insurance. Of course you will
need the Missouri minimum liability coverage for owners
but that would be encompassed within the limits you
buy for your "authorized driver."
Good luck,
Steven Murray
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