Rupert, ID asked in Consumer Law for Idaho

Q: I'm under 18 I have saved and am ready to buy a car with all cash do I need to have a cosigner on the title in Idaho

I have saved all cash and I have found a vehicle from a private entity since I am under 18 and am buying the vehicle out right do I need to have some one else cosign on the title or can just I sign it I will be 18 in less than 12 months and don't want to retitle the vehicle. Also if my name is the only one on the title would I have to insure it my self. Do I have to be older than 18 to get car insurance.

Related Topics:
1 Lawyer Answer
Kevin M Rogers
Kevin M Rogers
  • Boise, ID
  • Licensed in Idaho

A: Hi there,

Yes you need to have a co-signer, not because you may not have good credit but for the same reason that you may NOT title a car in your name, until you're 18 yrs. old. So, right now you can titled it in yourname/co-signer's name and then in one year, re-title it in just your name. I know it's a hassle but you need to put yourself in the shoes of a car dealership. They might inadvertently sell a vehicle to an "underage" person and the person then defaults on payments. The "contract" is void and so the dealership will lose. It's probably for those reasons that the Legislature made it law that only persons >18 years may "legally contract" or "title" or ? you name it! Oh, and same with car insurance. The ins. co. will balk at selling you car insurance first because you're name isn't on the title but secondly, because statistically, you're 100 zillion times more likely to get in an accident than I am, I'm old. So, good luck waiting a year and final advice, don't fudge and drive before your birthday!

Justia Ask a Lawyer is a forum for consumers to get answers to basic legal questions. Any information sent through Justia Ask a Lawyer is not secure and is done so on a non-confidential basis only.

The use of this website to ask questions or receive answers does not create an attorney–client relationship between you and Justia, or between you and any attorney who receives your information or responds to your questions, nor is it intended to create such a relationship. Additionally, no responses on this forum constitute legal advice, which must be tailored to the specific circumstances of each case. You should not act upon information provided in Justia Ask a Lawyer without seeking professional counsel from an attorney admitted or authorized to practice in your jurisdiction. Justia assumes no responsibility to any person who relies on information contained on or received through this site and disclaims all liability in respect to such information.

Justia cannot guarantee that the information on this website (including any legal information provided by an attorney through this service) is accurate, complete, or up-to-date. While we intend to make every attempt to keep the information on this site current, the owners of and contributors to this site make no claims, promises or guarantees about the accuracy, completeness or adequacy of the information contained in or linked to from this site.