How will this fuck up MY insurance?

I think if it causes your rate to go way up, you can get it back down by signing a form stating your mother is not allowed to drive your car (and therefore is not covered by your insurance). At least I saw one insurance company in California that had that option.

My poor, eternally connected housemate has apparently used up all of his battery power and is now forced to read, like, books, on paper!

Good gods! It's like living in the Twentieth Century!

Hmmmm, just started off my weekend with a two hour nap.

Actually, that should probably go on her insurance, Kat. Mine at least travels with the driver, not the car, even though it identifies the car for making-up-fees purposes.

I'm pretty sure car insurance follows the car, not the driver, usually.

Huh. For some reason, I always thought the onus was first on the insured driver, and then on the insured car.

eta: but then, I came from a state with such lax insurance reqs at the time, odds were that most of the other drivers and cars were uninsured and it could be a nightmare. So I'm probably a bad source.

I expect this is going to be a question for your insurance agent to answer, alas, because it is so state- and policy- specific. Good luck!

The rain wind combination keeps getting CRAZY and then calming down, then CRAZY again. wild day

I think the driver/car thing varies by state.

eta: but then, I came from a state with such lax insurance reqs at the time, odds were that most of the other drivers and cars were uninsured and it could be a nightmare. So I'm probably a bad source.

It's confusing--and rental cars are covered on your regular car insurance. But as Theo notes, it is state and policy specific.

I thought it weird because Wisconsin doesn't require proof-of-insurance for car registration. I think it's not until you get in a wreck without coverage that you can get into any trouble.