Reader’s Question:

My father gave me his car. The vehicle is in both our names and I am now married. What do I have to do to add this car to my husband’s insurance policy?

Tyler

Chicago, IL

Usually, you can add a car to your spouse’s insurance policy by an endorsement. An endorsement is a document which is attached to the policy that changes or modifies the original policy in some way. You will have to let your husband’s insurance provider know your father is also on the registration. Some insurance providers may require you to remove your father from the registration. Other carriers will permit his name to remain on the registration and will ignore him entirely. Still, other carriers will permit his name to remain on the registration and give you a choice. They will inform you to either list him as an additional motorist on the policy or they will tell you to specifically exclude him from the policy. If you have to list him, and you choose to exclude him, the insurance carrier will probably have an extra form for you to sign.