Quote:
Originally Posted by five3three
The $68 a month you'd pay is pointless along with the cost of the junk car. Like an earlier person wrote, it's the car that is insured so if you didn't have a car and were driving somebody else's car then everything's covered. Technically you're supposed to be listed as an authorized driver, even if not the primary driver, but that's not a requirement since you can let someone else drive your car.
This is not a trick at all. You're basically trying to scam the insurance and while they'd pay the first time without any real questions (assuming you're with a major provider), the second time around the insured would probably have to answer some questions and potentially make some policy changes or get dropped.
The only thing a junk other car insured with full coverage would get you is coverage in case you got a rental car.
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Here in CA, when gaining insurance you are asked if anyone who lives in the house is going to drive the car, if so they need to be added to the policy or else they will not be covered to drive the car.