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In Florida, if you have 3rd party insurance on your vehicle and that is the only insurance on the vehicle, can you get a vehicle registered? I lost my license for 5 years and want to let a friend use my vehicle but I don't know if I can register it if I am not the one who takes out the insurance policy. I do not want to take my name off of the title. Thank you for your response.

If you do not want to take your name off of the title you could add your friend's name to the title as a co-owner so they could register and insure the car which would likely be easiest. However if you do not want their name on the title at all than you should still be able to register your car in Florida, without a valid driver's license. If your driver's license is suspended for 5 years than you may want to obtain a Florida Identification Card to use as a form of ID until you can reinstate your driver's license.

The Florida Department of Highway Safety and Motor Vehicles (HSMV) told us that only a Florida address and proof of Florida insurance is required to be shown by the owner to register a vehicle in Florida.

The proof of Florida insurance needs to be for the vehicle being registered and does not necessarily have to be in the owner's name. This is typically done since there are car owners, such as disabled individuals, that cannot obtain a license and thus could not obtain insurance by themselves so proof of insurance on the vehicle itself is accepted.

Typically to insure a vehicle one will need to show insurable interest in it, thus being an owner of the vehicle, co-signer or lien holder. If the person trying to insure the car does not have insurable interest in the car, they may still be able to get insurance on the vehicle through Esurance. In some cases this insurer will allow a person to purchase a car insurance policy even if they you do not own the vehicle. Your friend can start here to see about getting a Florida car insurance quote for your vehicle.

There may be other insurance companies as well that would allow you (the car owner) to be excluded from the insurance policy, since you do not have a valid license, and instead place on the policy the person that will be driving the car. The insurance company can then rate on the driving record of the person that will be using your vehicle.

Keep in mind while it should be possible to get this type of insurance, getting insurance for a car without a valid driver's license can be difficult because most insurance companies will require a license since that is one major basis upon which they rate the policy. Most insurance companies want the car owner to indeed be licensed.

Some companies are able to exclude the non-licensed drivers and list them on the policy as excluded as long as there is one licensed and insured driver on the policy, other insurers do not allow this so that why you will need to shop around to find the insurance that will fulfill the friend's needs and state requirements.

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This car insurance answer was last updated 3:23 PM May-14.
This buying a policy question was asked 2:02 PM Apr-30-2009.
Frank requested this car insurance help from CarInsurance.com experts.
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