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Can a fresh driver without a car drive their parents’ car under the parents’ insurance?

Can a fresh driver without a car drive their parents' car under the parents' insurance?Yes, but the parents have to add the fresh driver to their policy.

Can the car insurance be in your parents’ name?

Yes, It can be in your parents name if you are still a minor, a dependent or are still a household resident So long as “YOU” are also a scheduled driver on the parents policy. Failure to schedule your self as a driver is a common form of Insurance Fraud. So whether the policy is in your name or your parents name, as a regular driver or with regular access you are required to be listed as a driver on the policy. I most U.S. states. A minor can buy a vehicle. However, due to the limitations of contract law where minors are worried, A parent or other legal guardian would either have to provide the auto insurance or countersign the application for the Insurance Policy to be a legally cording contractWhether you live in the same residence as your mother or not, you bring up an significant issue when you say “we’re thinking this will be the most inexpensive way for me to drive.” Most carriers will permit your mother to carry insurance on both the vehicles, tho’ there could be a problem if you live in a separate residence and keep the old car there. However, all carriers would require that you be listed as an insured driver, particularly if you’re the main driver of your mom’s old car. Not adding you to the policy, and then admitting that you thought it would be the most inexpensive way to drive, is essentially material misrepresentation. Your mother pays for herself as a driver, but her rates wouldn’t have you factored in. Most insurance carriers would promptly deny coverage in such a script if you were to have an accident. Of course, most people wouldn’t admit that they were just attempting to save money, which of course is insurance fraud (difficult to prove, but a mess when it is). So, have your mom add you to her policy. Her rates may go up, but in the end, it very likely is cheaper than you buying your own policy. It would be best for her to maintain ownership of her old car, as well, to avoid confusion about what a covered vehicle is. Insurance companies now use the term “household”. As long as the child (married or unmarried of driving age) lives in the same house as the parent, he or she is considered a household member, therefore needing to be in the policy. The only way to exclude a household member (of driving age) from an auto policy would be for the following reasons: 1. That person has his/her own insurance policy. Two. Never been licensedInsurance companies usually deny excluding a spouse from a policy, unless a divorce decree has been issued. ClarificationIt should be pointed out that in some jurisdictions the proprietor’s name on the car registration must match the name on the insurance policy. If the car is in your name then your name should emerge on the policy to avoid registration problems. The “insured” (name of the possessor on the policy) must have an insurable interest in the property.

Can a 16 year old get insurance on his or her car without having to have a parent on the insurance too and without having to be on their parents car?

No. At 16, you’re still considered a juvenile in the eyes of the law. As such, you can’t inject into a legally roping contract, which is what an insurance policy would be in effect. Not to mention that a 16 year old would pay an shocking amount of money for insurance, as that bracket is the highest risk. You can, albeit most insurance companies will not. if they do you will be paying stupid amounts of money for 3rd party only . On my 16th bday i got insured on my 1.3L VW polo on my own, my parents didnt even know. However it did cost me £1459, for 3rd party only, rightly so as a crashed Three days after passing my test haha. didnt hammer my brothers record of Two hours however. I personly don’t think 16 year old masculines should be permitted on public roads =p

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 youthful, usually the premium is high. The idea behind letting a minor inject in to a insurance contract is one of the few contracts a minor can come in in. Because if you have a license to drive, you need insurance.

If a child drives his parents car which is insured under the parent’s name will he be covered?

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.

Can you insure a car titled to your son Or will it have to be in the parents name He will be listed as principle driver of the car on the parents policy Would this effect an accident claim?

Response .
The vehicle must be insured by the person whose name emerges on the title. Only the person who holds the title/deed to property has insurable interest in said property, thus they are the only ones who can take out an insurance policy to protect it. If the parents wish to insure the vehicle on their policy, they must have the vehicle re-titled in their name and add the vehicle to their policy. Their son may be added to the policy as the vehicle’s principal operator.

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?

Response .
You should be able to officially exclude yourself from coverage if your state laws permit for that.

Does a fresh teenage driver need to be insured himself if hes only driving his parents insured cars?

Reaction .
He should be a rated driver in the house on something. If not,,,the insurance company could determine to cancel if the teenage driver was not rated, and had a negligent accident.

If you are the proprietor of a car can your parents insure it and put you as secondary driver to save money?

Yes, they can. It might vary by state and insurance company, but if your parents insure it, and put you as a secondary driver, and one of them as a primary, it is legal. The problem is usually the insurance company will charge the premium based on the highest step (or highest risk) driver on the policy. If that includes you, then it might cost the same, or very close to the same, as if you insured it yourself. I would say check with your insurance company and find out. Actually I downright disagree. What you are asking is if it’s ok to commit insurance fraud and it is not ok to do this. Every time someone cheats on their insurance premium it raises the rates for others. Shame! There is nothing wrong with shopping around for the best premium but don’t lie about the usage of a vehicle. They are not committing fraud they are listing him as a driver!!!! Assuming that this a youthful driver there is usually more than one classification for a driver. Principal and Occasional and each have different premiums. If you are attempting to hide how much usage a vehicle will get by a youthful driver that is insurance fraud. If this is a case of an older adult who wants to save money by adding their car to the parents policy then it is up to the rules of the insurance company as to whether or not a particular vehicle can be on a policy. Any time anyone lies or provides inaccurate information for the purpose of getting a lower insurance premium that is insurance fraud.

Related video:

If your car was lent to someone with a restricted license without your permission resulting in an accident and they are covered under their parents insurance who’s insurance should pay?

Response .
In a ideal world, they would pay. Unluckily, your car is covered by your insurance company and if the accident was the fault of your friend (in your car), then you insurance company must pay. If all of this was without your permission, you could press charges and attempt taking the person to petite claims court for damamges.

If you have your licence but your car is insured under your parents name not yours can you still drive it?

Response .
Yes, you can still drive it as long as you have your license.

If you are a very first time car buyer but are covered under your parents policy for their car will you need to purchase fresh insurance before you pick up the car?

Response .
every car has to be insured separately, so the fresh car has to have its own insurance on it.

Can you insure and register a car under your name even if the title is under a parents name if the parent on the title is not a driver?

Yes most insurance company never ask for the title. there are Insurance company’s on the web that will insure you and the vehicle weather you own it or not.

Can a fresh driver without a car drive their parents' car under the parents' insurance?

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 Strongly and be financially screwed for a long, long time.

A teenage driver does not have a car does he need to be insured if he cannot drive the parents car?

Reaction .
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 scheduled driver on the car proprietor’s policy, or in some cases by a non owners policy..
Also nude in mind that parents and legal gaurdians can be held financially liable for the acts of minors.

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 Legitimate or junior, most companies will not charge you to be on your parents policy with just a permit.

If you are 17 can you drive your car without parents permission?

If your name is on the insurance for the car and you have a valid driver’s license, technically no one can legally prohibit you from driving a vehicle, unless your parents report the car stolen or you are driving at a time that is legally restricted by the city or county (city-enforced curfews on minors).

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.

Do teenagers need insurance to drive the parents 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.

Who sells insurance to a driver without a car?

a non-owners auto insurance policy can provide liability coveragein the event you operate a vehicle that is not possessed by you norinsured under your name.

If a child has insurance on one of the parents cars but drives the other parents car is she still insured?

No, the child needs to drive the other car..

Related video:

No, the child needs to drive the other car.

Can you drive your parents car with a permit if you are not on their insurance?

if you have licence, and you have permission to driver the car, then you can drive the car,but laws switch from state to state,so in some countries, insurance is compulsory to drive the car

My fiance is not listed as a driver on her parents insurance because she does not regularly drive their vehicle. Do I have to list her on my policy even tho’ she can not drive my manual car?

If she does not drive your car, then there is no reason to list her. However, it would very likely be wise to list her if you are going to instruct her how to drive it.

Is a non licensed child that drives parents car covered under parents 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 public roads without proof of financial responsibility..
Fortunately the Parents are insured for acts of negligence in permitting 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.

How long can a fresh driver drive a fresh car without insuring it?

NEVER!!!! it’s illegal to drive or operate a vehicle on publicroads without the decent insurance. Doesn’t matter if your fresh ornot

In Fresh Jersey what is the penalty for driving without car insurance?

Mandatory penalties include automatic loss of license for one year , $300.00 fine and a period of community service to be determined by the Municipal Court . N.J.S.A. 39:6B-2.
There are alsocourt costsandinsurance surcharges of $250.00 per year for three years . Failure to produce at the time of trial an insurance card or insurance policy covering the date of the offense creates a rebuttable presumption that the person was uninsured when charged with the offense.

Can a fresh driver without a car drive their parents' car under the parents' insurance?

Is it possible to have a car in your name and have it under your parents insurance plan with you as a driver with out the car being wielded by your parents?

If you are in the UK, then yes, this is fine..
A few years ago this used to work out cheaper for getting an insurance quote, but the insurance companies have caught onto this, and the quote you get will be pretty much the same as if you were to insure in your own name..
Anyone can own a car, and anyone can be insured on a car..
In my opinion, it would be best to insure it in your own name, and commence to build up a no-claims discount.

Can you get driver insurance without a car?

No- you need to give information about your car in order to get insurance on it. You could insure yourself so that you are insured no matter what car you drive, but most of the time not.

Can your parents buy and insure a car in their name and add you as a driver?

Yes they can. But they have to list you as a driver in order for you to be isured.

Your son almost 20 bought his very first car Does he have to get his own car insurance which is expensive or can the parent get car insurance for him and just add him as a driver?

That indeed depends on the situation. Most car insurance companies permit parents to pay for their son’s car insurance IF he is living together with his parents AND that the car is garaged with them. If his son is living independently with his own car and has his own home where he can garage his car, then he will be paying his own car insurance. Any wrecks resulting in claims or ticket points will be held against the parent’s premium if he is merely included on their policy.

If I were relocating to another state and need to get a fresh license will I need to switch 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 stir instantaneously so that they can switch the garaging address.Ask your agent about whether or not your company even does businessin your fresh 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 fresh state or not, you need toget with an independent agent in the fresh state to check rates. Onecompany may be competitive in one state but not in another.

Can a son drive parents car?

Yes, if you have their permission, are a licensed or permitted driver, and are covered by insurance and the vehicle is decently licensed and working.

Related video:

Can you drive a car without driver?

Perhaps you need to rephrase your question. It truly doesn’t makeany sense the way you are asking it. I would undoubtedly say no.Cruise control is fine but it doesn’t mean no has to be behind thewheel.

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.

Can a son that has no insurance drives parents car?

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. Their are some insurance companies now aimed at insuring youthfull drivers which is something that you could look into.

If your parents have insurance and your living with them do you have insurance on the cars?

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.

How can you pay your share in the car insurance directly to the insurance if your car is insured under your parents name?

Call the agent and see what payment arrangements can be made. Some companies, however, choose one payment from an entity just because of treating costs.

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.

Can a fresh driver without a car drive their parents' car under the parents' insurance?

How do you find out if your parents had car insurance?

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.

Do you need insurance to drive parents car if they are in the car with you?

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 the household, and you can borrow their car, their insurance policy will go after the vehicle.

Can an unlicensed driver be ticketed for driving without insurance and the car they are driving is insured?

A driver who does not have a valid drivers license will be fined and charged, this has nothing to do with a car that is insured, if the driver is caught and cannot prove that the car is insured the fine will be doubled or tripled. No sane person would drive a car without a valid license or insurance, no matter what part of the civilized world you live in.

Can your teenage granddaughter drive your car without being insured on her parents insurance?

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.

Does the fresh driver of a car have to have insurance the day they get there liceance if there is insurance on the car they are driving?

The in force policy on the car covers all legal drivers however parents should inform the insurance co. of the fresh 16 year old driver it very likely will raise your rate.

Can a minor buy car insurance without parental consent?

No, absolutely not. A minor child (under Legal years old) cannot buy car insurance or register a car in his/her namesolelyin any state in U.S. The key word here is solely in their name (alone…by themselves…etc). They cannot be the foot primary holder, as a minor and cannot come in into contractual insurance agreements without the help of a guardian or parent. A minor child (under Legitimate years old) can register and title a car in his/her name with another person on the title who is Eighteen or older. And the parents or guardians can set up a separate insurance policy for them by adding them to the guardian or parent policy, even with a separate policy number for the minor, so it does not effect the premiums of the guardian or parent or person who is helping that is Eighteen years old or older. A minor child (under Legal years old) cannot solely come in into a contractual obligation for financial responsibility or contract with insurance company until at least Eighteen years old, or accept required financial responsibility on the road until Legal years old. Sometimes people get confused about this. Yes, you can register and title a car in a minor child name, Yes, you can get insurance for them at 15, 16, 17 years old and get insurance for them when someone else is on it with them who is Legitimate years old or older. So when you read statements that 15 1/Two, 16 or 17 years old can register or title a car and buy insurance – It is true – but with help from a guardian or Eighteen or older persons. REASON AGAIN : A minor cannot be the Foot (the only) person on the title or the only purchaser of car insurance because they cannot be sued, and cannot be held financially responsible, and cannot inject into a trussing contract.

Can you get car insurance without a drivers licencs?

Yes, but unless you list a licensed driver on your policy it will be very expensive.

Does a licensed driver without a car that live in the same household have to be insured under parents policy?

If you drive your parents car then you are required to be scheduled on your parents policy. Failure to do so would be considered insurance fraud by concealment of a known risk. Such concealment can relieve the insurer of any liabilities should an accident or other loss occur while the concealed driver is operating the vehicle, this means they can deny the claim. All auto insurance policy contracts do require disclosure of all drivers in the household whether licensed or not. All household drivers must be either scheduled for coverage by name or excluded from coverage by name. If you choose to exclude the driver then no coverage is afforded to that driver under any circumstances if an accident or other loss occurs. They are basically driving uninsured and subject personally to all the liabilities, accompanying fines and penalties of any uninsured driver. That being said, No, There is no legal requirement of law that all insureds in a household be covered under the same policy nor even the same insurance company, but all drivers must have proof of financial responsibility when operating a motor vehicle on public roads.

Can you lease a car under your parents name but have it insured on your own insurance in NYS?

No. The insurance must be in the name of the possessor or leasee of the vehicle. Be careful and do not lie on either the lease contract or the insurance application. Both of these are legal contracts.

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.

Will parents find out you were driving their car without their permission through a speeding ticket I have my own car under their insurance just didn’t have permission for this particular car I’m 17?

Yes they will. It will demonstrate up on their insurance renewal declarations page down near where the drivers listing is located. It seems that you may not be listed on their insurance policy. This is against their policy and puts them into a position of lounging to their insurance company. If you have an accident while driving their car under any circumstances whatsoever their insurance company will disallow the claim for material misrepresentation. They will then be sued by other party that you hit and be ruined. You better have a conversation with them about this.

Can you have a drivers license without car insurance?

Yes, you can. You don’t have to have a car insurance in order to have a driver’s license.

Can a person insure a car of their parents?

No. The insurance must be in the name of the holder of the vehicle. An insurance policy is a legally roping contract and if one party does not own the vehicle then the policy and thus the contract is void. The insurance company cannot pay a claim on a vehicle if the proprietor is not party to the contract. They also cannot legally pay the holder because they are not an insured person under the contract.

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