That worst case could bankrupt you and "the dad" for the next decade or more. That's if the worst happens and you find yourself at fault for a collision in which other people are hurt, whether in another car or in your car.

Even in the lesser cases, you would be surprised just how many people are denied claims and cancelled because of misrepresentation.

It's a gamble. If you play that gamble, you're gambling a lot more than just higher insurance payments.

And in future, could you try posting in English? Typos, occasionally bad spelling and grammar is one thing, but you virtually always come across as a completely illiterate fool.

thnxs

I suggested he give up on owning or having his own car for now. I'm suggesting that he use his parent's car when it is available. That way it's only his father's car being insured, and if that is the case, he can be a secondary driver on his father's car. Doing so is a lot cheaper than him trying to insure his own car with him as primary driver.

You're not paying attention. Both cars are already his father's. However, he cannot be second driver on any of them because there are only 2 drivers in the house. Therefore, his dad is transferring one of the cars into his name, as thats his only option.

Your post is only half right in that he can't be a second driver on any of the cars, but that part is true only if both cars are licensed and insured for the road.

Both cars can still be in his father's name, but that does not mean his father has to have both cars insured and licensed for the road. If only one car is licensed and insured, junior can be a secondary.

Even if both cars are licensed and insured, his father does NOT have to transfer ownership of one car into junior's name. Naming junior as primary driver on one of the cars is enough. You can be designated primary driver of a car without actually being the owner of record for that car.

Sorry yeah, that's what I meant to say. He could be the primary driver. But like he was saying, as it stands now, both cars ARE licensed and insured for the road. One is a pickup truck, while one is the acura (jr's car).