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?
Yes because anything couuld happen Answer Assuming 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 since 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.
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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)
Progressive Insurance can write a policy for you and your parent, but the parent is excluded as a driver because they do not have a license.
If a minor does not know that his parents insurance has expired and is stopped while driving their car will he get a full 1 year license suspension?
No, it is the responsibility of each driver to verify that a vehicle has insurance before they drive the vehicle. The state may also suspend the parent's license, but most probably not. Its unfortunate, but that is how the system works Any more questions, email me at email@example.com Sean IL Li…censed Insurance Producer (MORE)
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)
Answer . \nIs your licensed daughter an adult that is living elsewhere? If so then yes. If your daughter is a youthful operator that you are not listing on the policy to avoid paying extra premium then you may be guilty of insurance fraud in the form of premium evasion of an undisclosed youthfu…l operator. (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.
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.
How will a 3-point careless driving ticket for a 17 year old in Michigan affect car insurance rates his driver's license?
Answer . \nit will defiantly affect the premiums and depending on the insurance company they might drop him.
Answer . \nHe should be a rated driver in the house on something. If not,,,the insurance company could decide to cancel if the teenage driver was not rated, and had a negligent accident.
If you have your driver's permit but not a license do you need insurance to drive someone else's car in Pennsylvania?
No,but they must have insurance.You can not obtain insurance until you have a drivers license.The person who will be in the car with you who has a drivers license would be responsible for your actions while driving.
If your parent is not driving anymore and his license is expired but he still has a car and carries insurance on it for others to drive him around what should you do to be perfectly legal?
Answer . \nMake sure you are covered on his policy .. and make sure you have a valid driver's license (and tags).
Answer . By Ohio Law, you are required to carry car insurance on a vehicle that is title in your name. In addition, to operate a vehicle in Ohio, you must be able to show proof of financial responsibility. However, when you receive your license, they do not require you to furnish proof of insura…nce or other financial responsibility at that time. (MORE)
If a minor child who does not have a driver's license is involved in a fatal accident while driving a friend's car can their parents' insurance company be sued?
Answer . \nThis is a situation where the parents of the minor who was driving the vehicle should obtain legal counsel as soon as possible. Because the minor was not licensed the insurance provider does not have to accept liability for any damages.\n. \nThe parents of the minor however, can be …held liable for any and all property damage and personal injuries that were incurred, including a possible wrongful death lawsuit depending upon the circumstances. (MORE)
yes, and if you are put as an occasional driver on their car it's cheaper.
Answer . All Drivers are required to carry proof of financial responsibility while operating a motor vehicle on public roads. regardless of whether you own the veihcle or not.. Most drivers who do not own a vehicle, but do drive, obtain Nonowners Auto liability insurance in orde rto maintain co…mpliance with the law. (MORE)
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)
Depends on WHERE you want to drive. . In most places, you have to have (or be training for a) licenseto drive on public roads. . But it's usually OK to drive on private property without alicense.
If you are driving with only a permit and a licensed driver is in the car next to you but the car is under your parent's insurance policy will an accident be covered by your parents insurance policy?
Yes, unless you are listed as an excluded driver. To be sure in the future have your parents add you to their policy. Provided you are 18 or younger, most companies will not charge you to be on your parents policy with just a permit.
Answer . if you have tags ont he car you need to have insurance or you will rack up fines with the mva
you only need auto insurance if you driving. upon buying a car, you should get insurance.
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 since you need a license in order to drive. There are instanceswhen a company will issue a policy to a owner of a vehicle if thereis a reason for you to not be a driver of the vehicle.
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 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
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 answer varies by state. ONE MORE THOUGHT: If the vehicle is financed, the contract yousigned with the bank or finance company probably requires you tohave physical damage 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 increased 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 probably need to insure it. If you are storing the car in a garage, you may want to insure itwith a personal property insurance plan. Those are pretty cheap andonly insure something to it's full value. Many car collectors haveinvested literally thousand upon thousands of dollars in their carsso they unsure them for their value in case of fire or otherunforeseen damages. Home owner's insurance may cover a vehicle ifit is garaged if the car is listed as an asset on the homeownerspolicy as a personal property investment but that is a very grayarea. (MORE)
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 damage car, if someone steal your car, only a buy car is not important, the safety of a car is also important factor,so if person buy a car ,then he shou…ld 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, (MORE)
When it's a self-driven car, you need license to get car insurance from any insurance company.
No, Not necessarily, There are many insurance companies that will issue auto insurance coverage to you without a drivers license. It just depends on the underwriting requirements of the insurance company. Most of the larger national companies will require a drivers license first but many local an…d regional insurers will have no problem with it. (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)
No, not realy, if you have a car then you ned to get a insurance.
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)
All drivers are required by law to carry proof of Financial Responsibility. So if you are an insured driver under the terms of the Auto Insurance Contract then you are covered to drive it. If you are not an insured under the terms of that policy then you are not covered. Remember, Vehicles do not… drive themselves and vehicles do not carry insurance, People do. Auto Insurance Is to cover the losses and legal liabilities of the Insured. (MORE)
In VA you must provide proof of insurance before you get your license if you own a vehicle
We have 3 older vehicles insured with you. Our 17 year old daughter just got her drivers license. I want to get a new car which she will not be allowed to drive. Can you give me an insurance rate?
I'm Not sure who you insure through but any minor over the age of 15 MUST be added as a driver on the policy. It does not matter if she will drive the car or not, she still must be stated on the policy and be insured for all cars. at least that's the law where I live.
In the UK you can. You would need to state on the application that you do not have a licence and consequently you would not be allowed to drive. The insurance would be purely to allow you to have the vehicle on a public highway, providing it is taxed and has a valid MOT certificate.
Can you give more detail? Are you asking if you need insurance to"register" your vehicle?
If I were relocating to another state and need to get a new license will I need to change the insurance to my name if all the cars are under my parents names?
Most likely you will. You need to notify your insurance company ofthe move immediately so that they can change the garaging address.Ask your agent about whether or not your company even does businessin your new state. If you are an adult, you need your own insurancein your name. You vehicles should …also be in your name. Whether ornot your company does business in the new state or not, you need toget with an independent agent in the new state to check rates. Onecompany may be competitive in one state but not in another. (MORE)
Do the parents insurance go up if the child is 16 and gets a drivers license but does not drive the parents car?
If a child has a driver's license, the child has to be listed as a driver somewhere on an insurance policy. The child can have their own policy and then the parents rates would not go up. Usually it is less expensive for a child to be listed on a parents policy rather than getting their own policy. …If the child truly is not driving a household vehicle than the only way for that child to not be rated is to turn in the driver's license. That should be fine since the child "isn't driving anyway". The child can still get a state I.D. that isn't a driver's license. If the child isn't going to drive there is no reason to list them. The previous is correct, just should have gotten an I.D. and not a drivers license. It may depend on the country or state. Where I am the insurance company would have no way of knowning if someone in you house got a drivers license without you letting them know. (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)
If you have a drivers permit but not a license do you need insurance to drive someone else's car in Missouri?
No, if it's on a temporary basis, you have the permission of the owner, and the owner has liability insurance on the vehicle.
No, you do not need to have insurance to get your license in NJ. You can get your license before you even own a car.
Yes, you need personal injury protection as well as property damage to drive a vehicle.
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)
No,there was a news report on tv that said that there is a loop hole in the law. People are getting fine and not paying and the state can't do anything about it. Over eight thousand drivers in the state with no perment.
Parental Liability In the United States Yes. Generally, the parent(s) or other legal guardian(s) is "financially liable" for the acts of their minor wards. It does not matter if the liability arose from a situation of disobedience to the guardian or disobedience of law. But there are defenses agai…nst parental liability claims. Bear in mind that under permissive use rules in your states insurance regulations, the Vehicle Owner also is jointly and severally liable for the full cost of an accident in the owners vehicle. The owner of the vehicle has the first position of responsibility to ensure that permitted drivers are covered. Answer YES. They can look forward to giving all their assets to whomever their child injures. Bank accounts will be emptied. Their home will be taken and wages will be garnished until the injured party is fully compensated. That 17 year old has just thrown away everything that his/her parents have been working for! Look forward to moving into a homeless shelter. (MORE)
If your teen is a Licensed Driver and a member of your household or a minor ward and you have failed to disclose (Concealed Drivers Fraud) by adding them to your insurance policy, then she is not a covered driver under the terms and definitions of your auto insurance policy. However, Since parent…s are liable under the law for the acts of a minor child, Your insurance company may be required to pay for the accident as a negligence claim against the insured parent. If your insurer determines fraud on your part, they are not required to pay any claims arising out of fraud. In fact the law prohibits the insurance company from paying known fraud claims. Depending on the internal operating policies of your insurer, they may or may not cancel the policy if concealment and negligence are determined. (MORE)
You may need two forms of identification, your drivers license being one of them. Check with your insurance agent.
What do you think will happen if you have an accident on the first day you have a license? Let's say you hurt someone with a medical cost of $100,000 and total their $45,000 car. Since it's your first day should you get a pass? Who will pay for their damages and medical costs? Of course you need to …be covered by your parents auto insurance on the first day you get a license. If your old enough to get a license you need to think like an adult with responsibilities. (MORE)
you can drive if you dont have a license plate on your car.you have to get one of those temporary plates.
Only if you intend to drive it. Whenever you drive a vehicle you take on an almost undetermined level of risk. The reason you have insurance is to handle this risk when you are not financially able to handle it yourself. Whether or not your State or Territory requires you to legally have insurance i…n order to drive is up to your local regulations or laws. Even if you are not legally required to have insurance, unless you can comfortably take the cash out of your pocket to pay for the damage you do to the other persons vehicle, house, medical expenses, or loss of life then you need insurance. You never know how much damage you could cause in an accident in terms of financial loss to the other party or how many accidents you could have in a year. Even the wealthiest people are smart enough to purchase insurance and pass on this risk to an insurance company because in order to be wealthy the person is normally intelligent enough to know they need insurance. (MORE)