Auto Insurance Claims: additional insured, delivering newspapers, fire claim

Question
my aunt has agreed to lease her rv to a couple and they will take over the payments for 2 years then buy it outright. they will need insurance coverage on the rv. can she add them to her policy as additional insured?

Answer
Hello Harold,

As I reinterate, I can not give legal advice and won't attempt to. In my opinion though, this could be the absolute worse thing your aunt could do.
From my experience,and I have seen such disasters, first she is taking on a liability she does not want or need. She as the current owner of the vehicle may be subject to anything these people do. Say they crash it and cause bodily injury. She is in my opinion liable.
Now, the insurance company most likely is not going to agree to this deal because the vehicle is being sold and they could pocibly void the coverage all together.
I think your aunt is putting herself in a situation she does not need.
That is just my opinion.
I would highly recommend your aunt speak with her insurance agent and maybe even an attorney from her state.
I see insurance companies do everything they can to get out of a claim. I saw a denial because the guy used the vehiclle for occassional business and was not covered under a personal lines policy involving a theft.
I also saw where a lady just trying to make a couple bucks delivering newspapers got denied on her fire claim. The vehicle was totally filled with newspaper on a very hot day. The transmission over heated because of the heat and the extra weight. Completely accidental and the vehicle burned. The insurance company denied the claim because she was using the car for business and the car was only covered for personal use.
If in the event the insurance company goes along with this deal, which I don't think they will, get everything in writing!!!!!

Good Luck,

Rob