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Discussion Starter · #1 ·
My son and I both have 2018 Optima's. I am considering swapping cars with him. Mine has low mileage and his high mileage. He travels and needs a reliable vehicle and I dive my Optima less than 1k yearly. I have another car for my daily drive. Planning to change title and insurance to his name for liability reasons. Not sure how the dealer will handle the warranty should the car need repair. Since the car is still in my family, how would the dealership know the car title was changed? Do they access Department of vehicles records or depend on self reporting when a car changes title?
 

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My son and I both have 2018 Optima's. I am considering swapping cars with him. Mine has low mileage and his high mileage. He travels and needs a reliable vehicle and I dive my Optima less than 1k yearly. I have another car for my daily drive. Planning to change title and insurance to his name for liability reasons. Not sure how the dealer will handle the warranty should the car need repair. Since the car is still in my family, how would the dealership know the car title was changed? Do they access Department of vehicles records or depend on self reporting when a car changes title?
Just leave it as is. Some states a vehicle's insurance covers anyone driving it and others as long as you have your own car insurance your covered in any vehicle even when you're driving or a passenger. so i think you should be good.
 

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Depends on the insurance company--with some insurance companies it gets a bit tricky when it comes to covering other immediate family members if they are not already on the primary insurance holder's policy.

Example--I am the primary policy holder for my 2018 Optima; even if I gave my son permission to drive it, if he then manages to get into an at-fault accident then the only way my insurance will cover it is if he was explicitly included as a driver on my insurance policy (and of course assuming I have the appropriate vehicle coverage). If I had given permission to a friend and the same thing happened, then the insurance would take care of it even if said friend was not explicitly on my policy.

Point is, some but not all insurance companies may/will cover anyone even if they're not explicitly listed on the policy (as long as you acknowledge that you gave the person permission to drive the covered vehicle) but of course if they get into a bind and a claim is filed against the insurance policy, then the policy owner will be on the hook.
 

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Discussion Starter · #4 ·
I have talked with my insurance agent. Insurance is good for anyone occasionally driving the car. However for my liability protection, we will change title on the cars to each other and carry our own auto coverage. The thing I am not sure about is how the car manufacturer will handle any warranty claims, if say, the engine dies and I take the car to Kia for a engine replacement. Will they know the car is now titled in my son's name if I don't volunteer the information .
 

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I would imagine a carfax report will indicate that the ownership has changed.
 

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Nevertheless, no less insurance is made for 2 names. I enhance my wife as a second person who can take my car and on equal rights to drive it. Just leave it as it is so as not to spend time in vain. If there will be a need, you will figure it out at the place. The most important thing is that he drives well and does not ruin the car. To be honest, my wife felt very confident driving and was afraid of the road. I signed her up for a defensive driving course online. She needed to understand all the nuances basic principles of driving from the inside. It really helped her a lot and did her good.
 

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I'm guessing if your son live in the same house as you, there would be no need to change anything but who is driving it. If you sold it to him, requiring a DMV/MVA title change, then you would both end up being second owners which would chorten the warranty on the vehicles.
 

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Yeah, you are not supposed to change anything. Usually, consider a first-degree relative who drives the car. In that case, even the insurance isn't made on them; it is still working. That is why it will be better to leave everything as it is and swap your cars. Also, suppose you have full coverage insurance on your vehicle. In that case, you can let anyone drive your car and be sure that the insurance is still applied to them. If you are not sure about it, better get in touch with an insurance specialist from Money Expert. It will give you a piece of good advice and answer any of your asked questions.
 
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