Prior to my divorce, the "X" and I agreed that she could "have, to drive" the '77 280E, but no one else was to drive the car. I would keep the insurance up for the two of us.
Somewhere, prior to me finishing up the payments on the car to the PO, I decided to check w/my insurance agent to see what amount of liability I would would be responsible for if my STBX (soon-to-be-EX) would let someone else drive the 280E. Here's what I found out...
You are responsible ($$$$$$$) for anything that vehicle does to someone else if it's outside the scope of the policy. Even if you don't want to let anyone else drive the vehicle, if the other person, listed on the policy and title of said vehicle "overrides" your wishes, you may/will still be on the hook.
Needless to say, I managed to get the "X" to sign off on the title when I completed the payments, and since I was the only one on car's title (she was still on the auto policy 'til the divorce was finalized), I was able to "control" who was permissible to drive the car, or not.
I found out that the "X" had let our son drive the car three times during that time...and she KNEW he had no valid license (taken 'cause of unpaid fines and related minutia) and no insurance. Since I only gave HER permission to drive the 280E, and no one else, if there had been an accident/incident and she wasn't the driver, I could, legitimately, claim the vehicle was being operated by another individual, without my consent and that would a situation akin to the vehicle being stolen.
Believe me, this was brought up at the assets portion of the final divorce proceedings. The judgette gave me all the vehicles based on that one fact alone...the "X" showed very poor judgment and didn't see it to be in anyone's benefit that stuff like that should continue. Needless to say (considering I was the only male in that room that day), I was floored.
So, there you have it. CYA and LOFN1. Everyone else needs to look for their own hell, 'cause I ain't inviting you to mine.
My insurance company rewards accordingly.
