I'm in Florida with a 2009 Farm State full coverage insurance (I think up to 300,000) on two new cars - registered to myself and my wife. I know it covers rental.
A few times a year I borrow a project pickup truck that nobody else drives and that is not insured. The title and registration is under my Dad and kept in his house. I've kept up the registration (through him) for this reason)
I was wondering, If I get into an accident and do major damage to other cars and property will my insurance cover me? I don't care about collision coverage on the truck?
My dad is 80 years old. What If the truck was registered under me and my home address, but not specifically insured?
We currently have an unbelievably low insrance rate on two new cars we own. Roughly how much can I expect to pay to add that old truckcar just for me for Liability? If more than $400 a year, I really don't want to do it.
I don't have the policy papers, but sure all the above is probably explain in legal jargen that's tough to decifer. I plan to ask my agent, but wanted to hear from an actual consumer.
Thanks for any info.