<prompt> Human: My FIL is uninsurable due to too many lifetime accidents. His dream roadster is nearing completion after 15 years of building, and he wants to register the car in my husbands name and also get car insurance through my husband. My FIL would be an add-on driver. He has a history of crazy schemes, so I just wanted to get your alls opinion on this... Is there any way this could negatively impact my husband and I if my FIL were to wreck this car or have a claim filed? The insurance would be with a different provider from our regular car and house insurance company. Any claims made while my FIL was driving would go on his record, not my husbands, right? I dont want our home or car insurance to up because of any FIL shenanigans...ETA: Thank you everyone for your advice and perspectives. You all confirmed my suspicions. Well have to tell the FIL to find another way to insure his car.  <response>: I would not touch this. FIL can get high risk insurance. If the premiums are incredible its his own fault. Dont let his mistakes ruin your good insurance and credit. 