After calling to be added to your parents car insurance can you drive right away or do you have to wait for documents to be sent to you?
Yes, You have to wait for proof that you have insurance, that means documentaion. Remember the law requires not only that you have insurance. But that you have "Proof" of insurance at all times while operating a motor vehicle.
64 people found this useful
Yes. Reason why you name should be listed in insurance policies of yourparents it's pretty standard rules for every insurance policies to say if avehicle is provided for your regular use and you are not listed onthe policy then the insurance company can deny coverage of yourvehicle insurance compa…nies have their own rules. They put every rules whatthey want by insurance for any vehicle Younger drivers are considered Higher risk, especially new drivers.If you want to drive your name should be listed with your parent'sname in the insurance policies you can driver the car with outhaving to pay the bigger insurance premium. The law does not careif you do that. However, the insurance company does and you risknot being covered in the event of an accident. This means both youand your parents turn out to be personally responsible for justabout all damage/injuries a person result in. Your very best self is usually to expect to have a career and alsopay out your folks to the elevated insurance plan high quality.They may list you on a policy. (MORE)
If your parents can no longer drive but still own the car should they keep the insurance on it for you to use?
Yes, but they'd need to advise their carrier that you will be driving the vehicle on a regular vehicle. This is particularly true if you live with your parents. If they don't, it might be considered misrepresentation, which can cause all sorts of coverage problems if you have an accident.
If a minor has been removed from his parents' insurance since 'he never drives the car' is he covered if he is driving a friend's car?
He has no coverage. Unless the minor gets insurance elsewhere. He would likely be covered as a permissive driver of the friend's car, under the friend's policy.
If you are a minor in need of car insurance do you have to be under a parent or guardian's insurance plan to drive?
As long as you hold a valid drivers license, you usually can obtain motor vehicle insurance as long as meet the insurance companies underwriting requirements, such as no tickes, no accidents, no suspensions, and do not ow any insurance company money. If you are young, usually the premium is high. Th…e idea behind letting a minor enter in to a insurance contract is one of the few contracts a minor can enter in. Because if you have a license to drive, you need insurance. (MORE)
You will have to add him to your insurance. He will be under your name and your premium will go up! if you don't do this the insurance company may look the the DMV to see how many licenses are registered under your home address, then they will call and ask if he is insured. so it's better to just go… and tell them to add him to your policy. (MORE)
If you are driving your parents' fully-insured car and have your own insurance and you cause damage to someone can they bring a civil suit against the parents beyond their insurance coverage?
Yes they can, but its frivilous and will not hold up in court, it will be a major waste of time for them. The previous answer is completely wrong. Your parents are the owners of the car and suit will be filed against them and also against you if you are over eighteen. If the case goes to trial a…nd the award is more than their insurance plus whatever your insurance company may be liable, then a judgment can be entered against your parents and also you if you are an adult. You need to notify your insurance carrier since they may want to retain an atttorney for you. Thanks for the responses. Just wanted to clarify, I have not been in this situation; only trying to get all my bases covered since I tend to drive their cars on occassion (I also have my own under my own insurance). The answer that I have been getting ("yes, they are liable") seems to be correct but somewhat illogical: I am the individual that has caused the wrong - I should be the only one punished. Does anyone know the specific statute(s) that outline that the insured (and not solely the driver) can be sued? (MORE)
If you drive your parents car but you don't live with them and you get in an accident will their insurance cover you?
Sometimes. Sometimes insurance covers whoever is driving a particular car, and sometimes insurance covers a driver no matter whose car they are driving (as long as they have the car owner's permission). You should probably check with your insurance company to be sure, or have your parents call and a…sk them. (MORE)
Answer . \nIt's not usually necessary to declare you as a driver with the learner's permit. That comes when you get your license and can drive indepentently.
If you have an unrestriced license and you are 17 do you need to be on your parents' insurance in order to drive their car?
Answer . \nYes because anything couuld happen. Answer . \nAssuming you are living in the same household as your parents the answer is yes. Insurance companies must charge an appropriate premium for the risk that they are assuming. There is most likely extra premium that needs to be paid sin…ce young drivers tend to have more accidents. An undisclosed operator in the household is a form of premium evasion and can be considered insurance fraud. This leads to increased premium for all drivers in state. (MORE)
Is there anything that you can do if your parents car insurance company says that you have to be added to their policy if you are a licensed driver even if you do not have a car or drive their cars?
Answer . \nYou should be able to officially exclude yourself from coverage if your state laws allow for that.
\n. \n Answer \n. \n. \nThe answer: No. Insurance is not cheap to any young driver. Not being on a parents policy can be more expensive as well.
If you have your licence but your car is insured under your parents name not yours can you still drive it?
Answer . \nYes, you can still drive it as long as you have your license.
Answer \nThis varies, by the kind of car you drive, the newer, or the faster is a very high rate, it also depends on the zip code as to where the vehicle is garaged. depending on the crime, population. The rate on you also takes into consideration your age, if you have been licensed for so many ye…ars to obtain the good driver discount, if you are a good student can also give a discount. If you have more than one vehicle offers another discount also. The best thing to do, especially if you are between the ages of 16 - 25, unmarried, low years of maintaing a license, is to get a cheap liability only car, and list yourself on it, you will be covered to drive any vehicle in the household if you are listed on the policy. (MORE)
Answer . Yes, but the parents have to add the new driver to their policy.
Driving another persons insured Car It is always best to ask the owner 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 addi…tional 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 owner currently has in place as required in that state. It could also depend on the nature of the vehicle loaned or hired. If the Owner has a Limited Liability or a Named Driver Policy then no other drivers may be covered even with permissive use. If the owner has purchased a Broad Form Auto Insurance Policy then generally permitted drivers are covered. It is a common misnomer that Auto Liability follows a vehicle. In Fact, Auto Liability Insurance covers and follows the named insured(s) (usually the vehicle owner) and the named insureds legal liability that may arise out vehicle ownership and operation. Most liability coverage will even follow 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 owner and the contracted liability of the Specific Policy Form offered by an Insurance Company is where the misunderstanding arises. Limited lines Policies though 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 owner 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. Answer According to law if the owner 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 Drivers Be careful. The answer to your question varies from state to state and you need to check 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 car for 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. (MORE)
If by chance you are waitng on ID cards, yes you can still drive provided your company or broker gave you temporary cards until you got permanent ones in the mail.
Answer . If he's not driving the parents car then he should not need to be insured for it. He should however be insured for whatever car he "Is" driving. All drivers are required to carry financial responsibility, regardless of who's car they are driving. This can be accomplished by being a sche…duled driver on the car owner's policy, or in some cases by a non owners policy.. Also bare in mind that parents and legal gaurdians can be held financially liable for the acts of minors. (MORE)
If the wife of a military person is driving a car that his parents coown with him can the parents take the car away from the wife while the husband is out of state?
Answer . I don't know if the car is paid off, but if he is considered the owner, and they are considered the co-signer more than likely no. The co-signer's are really people that will pay the payments if he dosn't. If the payments are being paid on time then no.
Answer . I doubt it would make any difference, but you could contact a good agent, or the policy services dept of the company you have insurance with (on any other vehicles), they would be able to tell you for sure.
You can be added as a driver if you driver their vehicle sometimes but your vehicle cannot be added to their policy. The policy needs to be in the name of the person who owns the vehicle and all drivers and household residents should be listed on the policy as drivers or just residents. If you put y…our vehicle on a policy in a friends name the insurance company will deny the claim if an accident occurs. You sign a legal contract and state such in the contract. (MORE)
Your parents co-signed a car with you you are paying for your car everything that goes into that car Do your parents have any rights to take away the car If so how do you get the car put in your name?
Absolutely they do. The only way you have any right is to buy it yourself with no co signer. I know nobody likes to hear this, but if you need a co signer, THEY have a vested interest in how things go too. They actually stand to lose more than you if you mess up.. Oh, and by the way, even if you DO… buy the car all on your own other people can STILL take it away for what you may deem no good reason, i.e. Police officers, State officials, Loan officers, Collection agents.. Your parents did you a favor by risking their credit to co sign on that vehicle. They can do pretty much anything they want as long as they feel it is in everyones best interest. You should be grateful that they did you that favor and HONOR their wishes by being more appreciative of them.. LEGALLY, your parent can only do something if you do not make payments. Their only function in this case is to make the payments if you fail to. Even if this happens, they would have to go to court and show that you were not paying before they took the car. They accepted the risk of being a co-signer and it is a risk. This does not give them the right to take the car because you do something they do not like. They may have other "rights" if you are under 18 and still living with them, but you are the "owner" of the car. The lender, bank, credit union, whatever, only has a claim after you have failed to make the scheduled payments and a judge has said so. (MORE)
Do you need to be added your parents auto insurance if you get your license but will not be driving alone you will be using your permit with your parents in the car?
Yes, because you will still be behind the wheel, it doesn't matter who else is in the car.
yes, the premium will be astrononic, and some insurance firms will not add children to the exsiting parents policy, they will only insure the teenager in their own right.
If a child has insurance on one of the parents cars but drives the other parents car is she still insured?
\nNo, the child needs to drive the other car.. \nNo, the child needs to drive the other car.
Yes, it is possible to be added to your parent's car insurance, but there may be an extra premium to be payed.
If you have insurance and are driving somebody else's car if you have a wreck who's insurance company do you call?
You would call the insurance company of the person's car that you are driving. The insurance follows the car and not the insured.
if you have licence, and you have permission to driver the car, then you can drive the car,but laws change from state to state,so in some countries, insurance is compulsory to drive the car
Parental Rights can be taken away if DSS files a petition with the court for termination of parental rights or if one of the parents files against the other one who is seeking to have the other parent's rights terminated. Sometimes it is done involuntarily on the part of the parent being served and …sometimes a parent may choose to agree to relinquish their rights but the parent wanting to give up their rights can't just go and file for it. As stated, the other parent or DSS has to be the one to file.. Each state has different laws on the procedure and grounds to do so. The best thing to do would be to go to google and type in your state and grounds and procedures for termination of parental rights or go to your state's legislative website and search for the laws, such as the state General Assembly or whoever makes laws in your state. The laws may fall under, Juveniles, Child Welfare, Domestic, Family, Adoptions, etc.... Sometimes an adoption must take place in order for the TPR, meaning someone must be willing to adopt the child. In some states, that's not the case, one can be done without it. Some states you have to go to court to do it, in some it's done in front of the Clerk of Court.. Some grounds for a TPR include abandonment, no contact for a period of time, no child support for a period of time, failing to establish paternity, abuse, neglect and the list goes on. In some states it is more difficult to get a TPR than in others.. Hope this helps. (MORE)
I live in California i am 17 about to get my license. Car insurance for me is to much if i drive my parents car it has insurance am i covered even though i am not listed on their policy?
You cannot legally drive the car without having an insurance policy.. Car insurance market is very competitive nowadays. So if you are ready to spend about half a day on computer and telephone, finally you'll be able to find an appropriate rate.. Here is what you suppose to do:. 1. You should obt…ain multiple car insurance quotes online. Here are just some of these sites, I'm sure there are many more:. http://www.autoinsurance.24by7info.com . http://www.wisepages.com/money/insurance/index.html . http://www.autoinsurance.wisepages.com . 2. Even if you'll find some attractive rates online, do not rush to sing in. Keep these numbers in mind and call your local insurance broker. Describe your situation to him and wait for his numbers.. 3. Compare all quotes you'll get online and from your broker and make your mind. However still do not rush to sing in.. 4. You have to know that company, which is offering you a good rate is indeed a reputable company. www.AMbest is an independent rater of all insurance companies. If company, which is offering you good quotation is rated A or higher by AM best it is a good company. If it's rated below A, I'd think twice before signing with them. (MORE)
when getting car insurance for a new vehicle, you'll need toprovide applicable insurance documents. The insurance requirementsto buy car insurance are essentially the same in all states, First document - Driver's License, Second document - Social Security Numbers, Third document - Bank Informatio…n :- Insurance companies will needto have information concerning either your credit card or checkingaccount. They will most likely be running a credit check beforeoffering you a policy, since studies have shown that people with ahistory of making late payments tend to file more claims and costthe insurance company more money. Having an impeccable credithistory will work in your favor if you're trying to find the lowestpossible premiums and rates on car insurance. Fourth document - Vehicle Information :- The insurance company willneed to know exactly what car they are insuring with your policy.You will need the vehicle's VIN, which is often printed on asticker located inside the driver's side windshield or inside thedriver's door. Your car dealership can help you locate the VIN ifyou are unable to find it. Your insurance premiums and rates willlikely partially depend on the car you are driving. The newest,safest models tend to cost less to insure than older models whichlack airbags or other standard safety features. (MORE)
facility insurance call a local broker youll get hooked up some will say no but they all can do it i just did it and it took me 25 brokers and i finally got 1
No, the unlicensed child is not covered under the parents policy unless that child is a scheduled driver on the parents policy.. It is illegal to operate a motor vehicle on public roads with out a drivers license. Most parents already know that.. It is also illegal to operate that vehicle on publi…c roads without proof of financial responsibility.. Fortunately the Parents are insured for acts of negligence in allowing the unlicensed child to illegally operate the vehicle.. So basically the child is not a covered driver. Now the Insurance company will most likely pay a claim or loss if the unlicensed uninsured child has an accident. The claim would be paid not because the child was covered but rather the Insurer would be paying a negligence claim against the covered parents. (MORE)
It depends on a couple things. Does the spouse have a valid drivers license? Does the spouse live in the same house? Does the spouse live in another country? These questions can help determine if your spouse needs to be added. Some insurance companies will not cover your car if it is in an accide…nt and was being driven by your spouse, if that person was not listed as a driver. Insurance companies charge a premium based on the amount of risk. Everything is risk; the area you live, the car you drive, your age, your sex, how many miles per year you drive, etc. If another driver lives in your house and has access to your keys, the insurance company will want to rate for that person (charge more money). The alternative is not telling your insurance company and waiting until after an accident to find out you broke the contract (all policies are contracts), and that they will not pay to fix your car or represent you in legal trials. Is it worth it to save a few dollars and try to cheat the insurance company if it means you won't have car insurance when you actually need it? (MORE)
If you have a valid drivers license and permission to drive the car, then yes, you can drive the car as long as the owner 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 owner'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. (MORE)
Sarcasticly yes, all you need is the skill, the key, a pair of pedals and the steering wheel...Now realisticly it is not a good idea. It all depends on the state where you live in, in most states that incurrs into a traffic violation and will be subject to a citation (ticket).
Could the parents of an 18 year old be sued if their daughter was in an accident driving the parents car on the parents insurance policy?
No i dont think because she was the one driving the car, i didnt mtter who it belonged to.
Depends. If The child was sexually abused they might be mentally unstable or the could be sex offenders..If a child is put in foster care and sent around to different ones they may be unable to fall in love with somebody later on in life and they might not trust people that much because if they do t…hey feel like that person may leave them soon. (MORE)
no . ANSWER It's not an issue of rights. It's an fact that this is another adult with an active part in a child's life. There are times when that input becomes necessary. In today's society, it's a simple fact of life. see links below
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 a…n agent who does business in your state. (MORE)
If your parents put your name on their car insurance, that is you as a named drived you will be able to drive their car. This is often a cheaper way of insuring you to drive a car than having you as the person that takes out the car insurance. You will not be covered to drive other cars however. The…ir are some insurance companies now aimed at insuring young drivers which is something that you could look into. (MORE)
Technically yes, the insurance goes straight to your family. But you can't tamper with it unless you have an ID and your parent's permission.
If I am 18 can I drive my brother's car if it is insured by him and i am not on his policy but I'm on my parents policy?
That issue is addressed differently by state laws. You need to call the insurance company that carries both policies and direct your question to the customer service department.
In the UK you would be put on a database of people waiting for a transplant. There would be a "score" system. Points are given according to certain criteria such as how urgent the transplant is etc. Then when an organ becomes available the database is searched for the next person in line that is a p…otential match. That is viewed as the fairest way. (MORE)
I would ask them and if they aren't available, look through their mail. There is no national database of insurance policies that you can use.
How long do you have to wait to take back ownership of your car i am the registered owner when the person driving the car stopped making payments and no insurance?
If the car is titled to you, you can probably do it at any time. If you transferred title to the other party, you may not have any rights.
Sounds like you have a permit. If so your parents policy will cover you and you will need to added their policy when you get your drivers license. Some companies require for all people in the household 14 or older to be listed. Contact your company for more details. As long as you don't live in t…he household, and you can borrow their car, their insurance policy will follow the vehicle. (MORE)
As long as she has your permission, she can drive the vehicle and she will be covered. If she drives it more than a few times, you should add her to the policy.
Is there anyway to drive your car without insurance and you sent of for a lost title and haven't got it back yet and you need your car to get around?
NO. It is illegal to drive a motor vehicle on public roads without proof of Financial Responsibility.
If you and the other car are both going 10 MPH, it is OK. If a person is going any faster than that, it is truly stupid , and is going to get them in an accident sooner or later - and possibly someone killed.
If you don't want to wait for the court it's only possible if the parents allow you to. There are no shortcuts.