No. Generally, your policy covers you and your own car. It is illegal to drive an uninsured vehicle in almost every state. If there is an accident, there will be no coverage, the car will be impounded and you will be arrested. However, insurance laws vary from state to state. You should speak with an agent who does business in your state.
If you do not have insurance but the car is insured are you okay to drive it if you are not the primary driver?
Insurance goes after the car, not the driver. As long as the car is insured and you have permission from the proprietor to drive it, you are covered.
How can you get insured to drive any car?
You need to check with your current insurance carrier. In my case I am insured thru Farmers, and with them as long as you carry utter coverage on the equipment you own and drive that same coverage will be with you in any equipment you drive except commercial equipments.
Can your friend drive your car if you are both insured?
Cars are insured, not people .
People are not insured. Vehicles are. .
In other words, it’s not necessary for a vehicle proprietor to determine whether a potential driver is insured. The possessor knows whether his car is insured. It is necessary, however, for a person who wishes to drive a vehicle to ensure that it is decently insured. I would not operate a vehicle unless I eyed a valid insurance card for it.
Can you drive an insured car if you have no insurance?
Driving another persons insured CarIt is always best to ask the holder loaning you the vehicle if you will be covered under his policy. If he is not sure then he should contact his Insurer and verify before you drive. It never hurts to have your own operators or non owners policy in place for extra security if your an occasional driver without a car right now. Each US state regulates it’s own insurance needs through it’s state legislature. Insurance for a loaner would depend on the type of Policy that the Vehicle holder presently has in place as required in that state. It could also depend on the nature of the vehicle loaned or hired. If the Proprietor has a Limited Liability or a Named Driver Policy then no other drivers may be covered even with permissive use. If the possessor has purchased a Broad Form Auto Insurance Policy then generally permitted drivers are covered. It is a common misnomer that Auto Liability goes after a vehicle. In Fact, Auto Liability Insurance covers and goes after the named insured(s) (usually the vehicle holder) and the named insureds legal liability that may arise out vehicle ownership and operation. Most liability coverage will even go after the defined insured to a replacement vehicle, When on a standard form auto insurance policy, liability coverage is afforded even when tertiary or third party through an accident of a permitted driver. This point of concept of vicarious legal liability of a property proprietor and the contracted liability of the Specific Policy Form suggested by an Insurance Company is where the misunderstanding arises. Limited lines Policies however economic can leave gaps in coverage so it’s best that all drivers even non owners carry financial responsibility. The Concept definitions of Legal Liability of the holder of a property and the Financial Responsibility of all vehicle operators on public roads is determined further in the US by the regulations of the individual state of registration. ReactionAccording to law if the possessor of the vehicle has insurance on the vehicle, and “loans” you the car, and you are listed as an occasional driver of that vehicle, then you are covered. Otherwise, you will have to purchase your own policy. Dependent DriversBe careful. The reaction to your question varies from state to state and you need tocheck the laws in your state. In the state where I live, an under 25 driver who lives with you must be insured on your policy to drive your car and it’s very expensive. Insurance coverage is different if someone who does not live with you uses the carfor your convenience . It can get very complicated. Insurance companies are doing more and more to mitigate rising costs of repairs, medical treatment and their liability.
Can you drive a car without car insurance?
In most states it is unlawful to operate any motor vehicle without carrying some form of insurance that please the minimum financial responsibility requirements for your particular state. Most states also have severe penalties for people who drive without insurance with the Two most common penalties being a 1-year license suspension and impoundment of your vehicle, in which you have to pay a HEFTY fine to get it out. Also, if you were to have an accident with no insurance, not only could you be penalized as described above but you could be sued Strenuously and be financially screwed for a long, long time.
If your car is insured can someone else drive it who is not on the insurance?
It depends on the type of policy you purchased. It may provide coverage for permissive use or it may not. Contact your insurance agent and they can advise you of the coverage you have now and recommend the adequate coverage for you.
Do you need car insurance if not driving car?
if you have tags ont he car you need to have insurance or you will rack up fines with the mva
Do you need insurance to test drive a car?
i think yes,you need insurance if you want to test any kind of car, weather it is for test drive or permanent drive, i think you should take brief term makeshift insurance, which will help you
Do you have to have your driving record to get car insurance?
No, they will ask you questions about your driving record, but they can get your record from the state you are applying in.
Can you drive an insured car without insurance?
If you are “Uninsured”, then you are “uninsured. You may or may not be an insured driver on the vehicle owners policy. Just because someone else has coverage for that vehicle does not automatically mean you are a covered driver. The insured should contact the insurance company or the insurance agent to determine the status of an unscheduled driver. Some auto insurance policies will cover the occasional driver while other policies will not. All drivers of a motor vehicle on public roads are required to carry proof of financial responsibility at all times.
If you drive a car with no insurance are you legally intitled to drive it on your car insurance?
That depends, because there are many different insurance coverages. You’ll need to check your own car insurance policy and see if it covers you AND any car that you are driving. If you can’t find that information anywhere in the policy then check with your insurance broker and ask..
Sorry, but without actually reading YOUR policy that’s the best response I can give.
Do you need car insurance on a car you do not drive?
No. Except if you want to think about the possibility of that carbeing stolen. If it is not on a home owners policy, then you shouldhave some sort of theft insurance on it. But if the car is notbeing driven on the road you do not need insurance on it. Clarification: A homeowners insurance policy will not cover your vehicle; you haveto have a separate auto policy for it. But if you have a car thatyou are not using and don’t plan to use, you can turn the licenseplates in to the DMV and then cancel the insurance on the car. Another take: actually, this depends on the state. I lived inOregon for many years, and according to state law, all Oregoniansare required to have car insurance on ALL CARS THEY OWN, even ifthe car is not used. Granted the majority of people who have carsthey never drive don’t bother to insure them (I wouldn’t), but if acar does not have insurance, even if not driven, it can be towed. Check your state laws on this. The response varies by state. ONE MORE THOUGHT: If the vehicle is financed, the contract yousigned with the bank or finance company very likely requires you tohave physical harm coverage on the vehicle as well. I agree withthe “Clarification” and “Another Take” in that laws vary from stateto state so check your state laws. Homeowners policies specificallyexclude coverage for any self-propelled vehicles other certaintypes such as lawn mowers. In most states you cannot have tagswithout proof of insurance. In Georgia one day with an active tagbut no insurance will get you a fine. Continuous disregard willresult in enlargened fines, registration revocation, impoundment ofthe vehicle, and cancellation of your drivers license. If your particular state requires it and the vehicle is registered,then you most likely need to insure it. If you are storing the car in a garage, you may want to insure itwith a private property insurance plan. Those are pretty cheap andonly insure something to it’s total value. Many car collectors haveinvested literally thousand upon thousands of dollars in their carsso they uncertain them for their value in case of fire or otherunforeseen damages. Home holder’s insurance may cover a vehicle ifit is garaged if the car is listed as an asset on the homeownerspolicy as a private property investment but that is a very grayarea.
Do you need to have car insurance in order to drive and why?
yes,right now in many countries, insurance is compulsory at all, because it may help you in many situtions, like any type accident, cover the cost harm car, if someone steal your car, only a buy car is not significant, the safety of a car is also significant factor,so if person buy a car ,then he should take insurance,everybody knew that it take extra money for insurance ,it is not good for person’t to pay .but at the end ,person get advantage of that insurance at some time,
Can you get insurance to drive your beau’s car?
Good question. My guess would be yes, you can be added as an occasional driver on your BF’s car. I would also guess that if you have a worst driving record then your BF, they will charge the premium based on your driving record and not his.
Do you have to have insurance if your not driving your car?
You should either keep comprehensive coverage on the vehicle (fire/theft), or suspend the policy while not driving the car. It is becoming increasingly difficulty to insure vehicles that you cannot prove were not being driven uninsured.
Can anybody drive your car if it is insured?
In a way, yes. But, in order for you to not be held liable for anything happening to that person if they were to get into a car accident, they must be on your Insurance Policy. In other words, look at your Proof of Insurance card that you are given for the car. It should have names on it below the wordDrivers: If you do not see the person of whom is in question, then they are not on your insurance policy. I think the only time there will be no names would be if the car is a company car, in which case anyone could undoubtedly drive the car.
If you buy a car can you drive it home with out insurance?
No – but you may have a brief period in which an extra or replacement car may be covered under your existing policy. Check with your agent.
What is the penalty for driving your bosses car if it is not insured?
If you are driving the car, then you are officially liable for driving without proof of insurance, but most police will be understanding if you are driving a company car that you didn’t know was insured.
You have no car or insurance if you drive a friends car are you covered by their insurance?
Provided that there are no exclusions in your friends policy, anybody driver their car with permission will be covered if they cause an accident. You are of course subject to the coverages and thresholds on your friends policy. Ex, if your friend has just liability, the insurance company will only pay for damages you cause to the other party, not harm to the vehicle you were driving.
If you have no car insurance can you drive a car?
If you have a valid drivers license and permission to drive the car, then yes, you can drive the car as long as the holder of the car has insurance on it. Unless the person is part of the household and has been deemed a non-covered driver by the car holder’s insurance company. Let’s say father has insurance on car. Son live’s in house, however has been revoked or has a horrible driving record. Son has permission by father to go to store. Gets in a wreck, doing injury and insurance company had son named as not a covered driver. No coverage then.
Can i drive someone else’s car on my insurance but that car does not have insurance?
Check your insurance document. In the UK, most insurance contracts permit you to drive another car with the holder’s permission, but the insurance is only for Third Party, i.e. you are covered for harm to anything or anyone you hit, but you are not covered for harm to the car itself. Check, check,check! Also check that the car has road tax paid and any MOT or roadworthiness documents neccessary, otherwise it will not be insured and you will truly be in deep trouble. In the US, your coverage offers you the needed liability protection in most instances and depends on the language in the policy. However this offers nothing for comprehensive (fire & theft) and collision.
If driving a car with no insurance will home owners insurance cover you?
Not in the UK. It is very likely the same elsewhere in the worldHome insurance will cover your legal liability, but not while driving a auto. Hence auto insurance. the best u can get out of ur home insurance is maybe ur contents in an auto accident.
Can I drive my parent’s car if they are in the car when I am not insured but they are?
Everyone in your household must be listed on your insurance policy if they have a license. For example, if you live with your parents, you may not be covered if you are not listed on their insurance policy. On the other forearm, if you live separately you could use their car with their permission and be covered.
If you have insurance on your car can someone else drive it?
It depends on the policy in the USA. In most European countries only named drivers can drive a car regardless of insurance policy – rental cars are the exception for demonstrable reasons.
Can you drive a car that has no insurance?
Of course you can but it is illegal to do so. Every state has a minimum amount of insurance you must carry on any vehicle you drive.
If your friend has no insurance for his car can you drive it legally on your insurance?
No. The only way you could possibly be covered under your own insurance is if you purchase the car and have a bill of sale in your name and your State has provisions for freshly acquired vehicles. You would also have to be driving the vehicle with a copy of your registration and your license plate. Always check with your insurer very first to make sure they will extend coverage
Can 1 drive my brother car that he insures if i have no insurance of my own?
As long as you have permission from him to drive and/or his policy does not exclude other drivers.
Will someone driving your car be insured?
it depends if you have insurance that covers all drivers in the family or all and any drivers.
What insurance covers you in any car you drive?
Usually cars are insured for that specific vehicle. Clauses in the policy will detail the coverage of other drivers and any exclusions such as age or license requirements etc. If you have the drivers permission you are usually covered so long as you meet these clauses. To get insurance that covers any car you personally drive you will have to contact the insurance companies to go through what you require.
If you have insurance can you drive any car?
Depends on your insurance contract, look at the petite print. Some contracts permit you to drive other cars with the owners permission, but, in the UK, give ‘Third Party Only Insurance’, meaning that if you have an accident, the insurance covers the car you have bashed, but not the car you are driving. So check your policy cautiously.
Does your insurance cover you to drive a car that has no insurance?
Your private auto insurance will be secondary to the insurance of the vehicle that you are driving (assuming you do not own it and it is not a business vehicle). If you get involved in a car accident while you are operating a vehicle that is -not- yours, then the insurance of that vehicle has to pay very first, and if that insurance is not enough (or is not there) then your insurance will kick in. Notice that if you get pulled over by police they will ask you to display proof of insurance on the vehicle (not your insurance.) The law requires all vehicles to be insured, not individuals.
Can you drive without car insurance in Wisconsin?
You can under July 1, 2010. It becomes mandatory at that time. However, it is indeed foolish to not carry insurance. Indeed, truly foolish. In the words of the script from Christmas Vacation…”of all the cheap, lousy way to save a buck!”
Can you keep a car on the drive without insurance?
I would keep it in the garage but as long as you don’t drive it you should be fine.
Is it legal to drive a car that is not insured on your insurance?
It is illegal to drive a car that is not insured for at least third party cover (i.e. if you hit someone then they – but not you – will get paid out). Therefore if the car is not covered on an insurance policy that YOU have then to drive it you would need to be covered on someone else’s insurance. Some people hold insurance policies that permit anyone (with permission from the holder) with a valid license to drive the car and in this case you would b covered on this policy – many company cars have this sort of policy. It is you DUTY to make sure that you/the car has as covering policy before you drive it and that you can PRODUCE this policy for the police should they require you to do so.
Can you drive a car that is not insured but you have insurance in the UK?
In the UK you must have insurance that covers you to drive the carin question.
Can i drive an insured car if i don’t own it?
Sure can (with permission) Be careful tho’, because not all insurance automatically includes occasional use by other drivers. Make sure the carrier in question does-just in case.
Can you drive car without insurance?
Yes, if you have a drivers learners/ permit you do not need to be on insurance in Georgia, Tennessee, Alabama, Florida, South Carolina, And North Carolina. But, you need to be driving with a 21+ year old in the passenger seat.
Are you insured to drive other cars which are not insured?
You should dual check with your insurance company to see how your policy is written, but usually your insurance would kick in as secondary coverage and you would be covered.
Can an insurance company reject to let you drive a car insured by them when you have other insurance?
Since the insurance company does not own the vehicle, they cannot reject to let you drive it. What they CAN do is reject to provide coverage for a person driving the vehicle – but it would state that in the policy provisions. If the driver in question was covered under his/her own policy then that policy might very well extend to other vehicles he/she were driving, but again, that would be in the policy provisions. In other words the response would lie in the policies in question and there is no standard response – albeit in most cases – but not all (in the US, anyway) the driver would be covered under both policies, the one on the rated vehicle providing the primary coverage.
Is your beau insured driving your car?
You need to add him to your insurance or he must have his own. Your beau is not automatically insured.
Where can you buy car insurance for a Driving Instructor?
Albeit most driving schools provide extra insurance for their instructors, you can find car insurance for instruction at most places where you would buy car insurance. Look into GEICO, Prudential and Esurance for more details.
Do you need insurance to drive sons car?
Yes. The vehicle must be insured. This is not to say that you have to carry a separate policy. As long as your son have coverage you can be added as a driver on his policy and it very likely will not cost anything to add you as long as you have a clean driving record. The policy must be in name of the person who possesses the vehicle. This is very significant. Insurance laws vary from state to state so you want to verify that no extra requirements exist in your state.
Can you drive the insured car of a deceased friend?
Yes, as long as he is in the car. He may be in the trunk, if you don’t want to have a corpse in the passagener seat.
Why is car insurance expensive for junior drives?
Statistics do seem to indicate on a consistent basis that the Drivers with less practice have more frequent accidents.
Can you drive an insured car if you have no insurance in Canada?
I think I understand your question. Most U.S insurance policies provide coverage when you drive the vehicle to Canada. On the other arm all insurance stops at the Mexican border. Read you own policy to make sure or call the agent and ask them. I am talking about for a visit or vacation not moving to Canada.
Can you drive a car with no insurance under your insurance?
No. your car insurance is for your vehicle, not others. They will have to have insurance else it should not be taken out on the roads.
Can i drive my friends car without insurance?
It depends. If you are going to be driving a car in most states, the state requires you to have insurance. Your friend’s insurance could cover you but if you hurt somebody in an accident they will come after both you and your friend, so its significant to have your own coverage. You don’t want to lose all your money and all your possessions to a person you hurt just because you don’t have insurance. If you don’t own a car (like if your employer provides you a leased car and its the only car you drive), you can still buy insurance called a ‘non-owners’ policy. This would be good if you are going to be driving your friend’s car a lot.
Can anyone with insurance drive your car if it has business insurance?
No. Even if you have commercial insurance on your vehicles, you are still responsible for providing the insurance company with a list of drivers. If you do not notify them of the people driving the vehicles they can still deny coverage as you are not obeying the terms of the policy.
Can you drive for hire and prize on your car insurance?
If what you are asking is whether you may operate the equivalent of a taxi service in your private vehicle, you generally can. However, insurance requirements are altogether different for this than for a private passenger vehicle used for private transportation. It would be deemed to be a commercial vehicle and would have to be insured as such. Further, the State, municipality, or counts in which the car is operated for this purpose would have insurance and registration rules governing it.
What is the legal if drives your friend car in that car is not insured and you get a ticket for driving without insurance?
If there is no insurance on the vehicle and you get a ticket for driving without insurance you are guilty of the offense and will have to pay your fine. Even tho’ the vehicle belongs to someone else it is the responsibility of the driver to make sure there is valid auto insurance on the vehicle before driving it.