Cohousing-L Mailing List: Re: Subject: Re: car sharing

[Mabel Liang (mabel]

Hi Patti,

I would certainly be interested in knowing about option 2.  For that
matter, I'd also be interested in what you told the agent about the
details in option 1.  When I discussed a cost-sharing arrangement with my
insurance agent (also in MA) a few years ago, he said we would need a
commercial policy.  And if the financial arrangement wasn't disclosed and
there was an accident with the non-owner driver, the details of the
arrangement might come out under questioning and the non-commercial
insurance might not cover it.  The key seemed to be money changing hands,
not whether it was for profit.

Thanks!

-- Mabel :-)

Mabel Liang
mabel [at] twomeeps.com
Software Engineer turned Gardener
Cornerstone village Cohousing
North Cambridge, MA

---------------------------- Original Message ----------------------------
Subject: Re: [C-L]_ Subject: Re:  car sharing
From:    "Lautner, Patricia" <Patricia.Lautner [at] umassmed.edu>
Date:    Fri, March 16, 2012 9:42 am
To:      "cohousing-l [at] cohousing.org" <cohousing-l [at] cohousing.org>
--------------------------------------------------------------------------

>
> In what I referred to as "Option 1" (where the car is primarily shared
> between two households) we realized that both households were already
> using the same insurance company with our respective first cars.
> Therefore it was easy for me to call my agent (since I'm the owner of the
> shared car on paper) and simply add my neighbor's name as another driver.
>
> In option 2, the owner of the car is simply sharing it with a neighbor.
> I'm guessing he didn't discuss it with his insurance company but I could
> ask him if you'd like.
>
> Patti
> JP Cohousing, Boston
>
> -----Original Message-----
> From: Jerry McIntire [mailto:jerry.mcintire [at] gmail.com]
> Sent: Friday, March 16, 2012 9:21 AM
> To: cohousing-l [at] cohousing.org
> Subject: [C-L]_ Subject: Re: car sharing
>
>
> Patti, do either of the insurance companies for your JP cars know that the
> vehicle is being shared? Is it okay because you're not hiring it out
> (profit), just sharing?
> Thanks,
>
> Jerry McIntire
> Stone's Throw Ecovillage
> Viroqua, Wisconsin
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