I am insured by a different sports car insurance company than my parents are. Am I still allowed to drive their cars?
Ok so 2 years ago I got my drivers license suspended for drinking and driving. Not a DUI, but still kinda a big deal since I be only 16 at the time. I was insured by Mercury on my parents plan at the time, but after that incident they plainly stopped insuring me. After a year, I went to reinstate my car insurance but I have to do so with a different company. Then I went to the DMV and get my liscence back. Apparently my parents are now unacceptable to drive my car and I am not allowed to drive theirs. I want to know though, am I allowed to drive their coup¨¦ if its just a one-time thing? I suggest, people let other populace drive their cars all the time as long as both parties are insured. Its almost prom and I want to know if I can drive my parents suburban instead of my truck. I repay a lot for my new insurance (obviously, given the circumstances) and my parents also reimburse a lot for theirs. Shouldn't I be able to drive my moms saloon for one night since I am an insured driver and she is too?
Answers:
Not pretty so easy.
1. If your own insurance allows you to drive other cars it will only be a third delegation risk. This means that if you have an calamity in which it is deemed that you are at blemish, your insurance will pay for the damage to the third party's vehicle but not the one (your parent's car) you are driving.
2. If you are named on your parents insurance or your parents insurance is for any driver assuming that their policy is fully comprehensive, you will be covered by your parents insurance.
You must read the policies do not assume any hing until you have it clear surrounded by your mind. If in doubt talk to your insurance company and acquire your parents to talk to theirs. You can not afford to take risks. The claim I merely ever drove the car once is no excuse for not driving with insurance. The drink driving insurance penalty will last for about ten years. (I speak from UK and I do not see USA one that much different )
I think that you in reality answered your own question and you know you can not do that which you propose and that you are trying to find a clever way out. I assure you that at hand is none other than to persuade insurers to cover you
My guess is that your parents signed an exclusion to hang on to their insurance. They agreed that their insurance doesn't have to pay if you hold an accident in their motor.
So if you have an accident you will own to pay for all of the make worse and if you can't pay your parents could be sued if they gave you consent to drive their car knowing you were an excluded driver.
Well, what does your insurance pass say? If that does not specifically permit you to drive any coup¨¦ then you cannot drive your mothers car. Simple.
That all depends on your parents insurance policies.You may be capable of legally drive their cars but as for being insured to drive their cars is another story.
You say...
"Apparently my parents are in a minute not allowed to drive my car and I am irrelevant to drive theirs. "
But... generally...
It's the car to be exact insured, not the driver.
Your mom does not pay so "she" can be insured, but her car.
So technically even if you where on earth not insured you could drive her car legally. It's solitary her insurance for her car that matters.
Your mother/father can agree to ANYONE with a valid license drive there motor, for as long and as many times as you want.
The idea is that if someone is REGULARLY using your coup¨¦ (say that you moved in with your parents and started driving within car PRIMARILY) AND this person using it does NOT own an insurance policy then they should be added.
Uninsured drivers can drive insured cars.
On the other hand if you've have your license taken away obviously you cannot drive any car, for any explanation. Source(s): Insurance Company
Sources:
http://www.filife.com/answers/can-i-be-insured-if-i-/1686
Not the most reliable source, but this "Google'd Up" resource agrees with me.
No
Nope, you are an excluded driver. If you get only a ticket (no matter what the basis was) your parents could be canceled for allowing you to drive the vehicle. This happend to my Mom when my Step-dad got a DUI. She signed papers that he would not drive her vehicle, even though he had his own insurance. Beware of those who transmit you that the insurance covers the vehicle and not the driver. It is not true for all companies.
Yes. Insurance is on the vehicle not on the those driving the car, unless your parents have an exclusion on their policy. This is really smooth to find out. Either find the first page of the policy (called the Declarations Page) and read it to see if it lists any exclusions or if your parents aren't sure where their policy is they can merely call their company and ask if there are any exclusions on their policy for other drivers.
Hope that help and have fun at prom!
it all depends on the details of the insurance you, and / or your parents own
some insuracne is for a specified driver for a specifed car, some is for a specified driver on any car, some a specified motor for any permitted driver, some insurance is any driver and car (the latter usually being for commercial / company owned cars).
I guess you parents took you sour their policy when you had you D&D conviction when you lost your licence and either they do not want to retribution the premium for you to reinstate that cover or their insurers wont touch you..
so if you are not covered on their policy then you will need to check your own policies details. copious policies allow you drive other vehicles (however they often limitation the amount of cover (eg thrid party, ie don't cover the cost of damage to the vehicle you are borrowing). you inevitability to check with whoever issues the insuranmce to find out what you are covered for, whether they coiver you for driving someone else's car and so on.
Related Questions:
Answers:
Not pretty so easy.
1. If your own insurance allows you to drive other cars it will only be a third delegation risk. This means that if you have an calamity in which it is deemed that you are at blemish, your insurance will pay for the damage to the third party's vehicle but not the one (your parent's car) you are driving.
2. If you are named on your parents insurance or your parents insurance is for any driver assuming that their policy is fully comprehensive, you will be covered by your parents insurance.
You must read the policies do not assume any hing until you have it clear surrounded by your mind. If in doubt talk to your insurance company and acquire your parents to talk to theirs. You can not afford to take risks. The claim I merely ever drove the car once is no excuse for not driving with insurance. The drink driving insurance penalty will last for about ten years. (I speak from UK and I do not see USA one that much different )
I think that you in reality answered your own question and you know you can not do that which you propose and that you are trying to find a clever way out. I assure you that at hand is none other than to persuade insurers to cover you
My guess is that your parents signed an exclusion to hang on to their insurance. They agreed that their insurance doesn't have to pay if you hold an accident in their motor.
So if you have an accident you will own to pay for all of the make worse and if you can't pay your parents could be sued if they gave you consent to drive their car knowing you were an excluded driver.
Well, what does your insurance pass say? If that does not specifically permit you to drive any coup¨¦ then you cannot drive your mothers car. Simple.
That all depends on your parents insurance policies.You may be capable of legally drive their cars but as for being insured to drive their cars is another story.
You say...
"Apparently my parents are in a minute not allowed to drive my car and I am irrelevant to drive theirs. "
But... generally...
It's the car to be exact insured, not the driver.
Your mom does not pay so "she" can be insured, but her car.
So technically even if you where on earth not insured you could drive her car legally. It's solitary her insurance for her car that matters.
Your mother/father can agree to ANYONE with a valid license drive there motor, for as long and as many times as you want.
The idea is that if someone is REGULARLY using your coup¨¦ (say that you moved in with your parents and started driving within car PRIMARILY) AND this person using it does NOT own an insurance policy then they should be added.
Uninsured drivers can drive insured cars.
On the other hand if you've have your license taken away obviously you cannot drive any car, for any explanation. Source(s): Insurance Company
Sources:
http://www.filife.com/answers/can-i-be-insured-if-i-/1686
Not the most reliable source, but this "Google'd Up" resource agrees with me.
No
Nope, you are an excluded driver. If you get only a ticket (no matter what the basis was) your parents could be canceled for allowing you to drive the vehicle. This happend to my Mom when my Step-dad got a DUI. She signed papers that he would not drive her vehicle, even though he had his own insurance. Beware of those who transmit you that the insurance covers the vehicle and not the driver. It is not true for all companies.
Yes. Insurance is on the vehicle not on the those driving the car, unless your parents have an exclusion on their policy. This is really smooth to find out. Either find the first page of the policy (called the Declarations Page) and read it to see if it lists any exclusions or if your parents aren't sure where their policy is they can merely call their company and ask if there are any exclusions on their policy for other drivers.
Hope that help and have fun at prom!
it all depends on the details of the insurance you, and / or your parents own
some insuracne is for a specified driver for a specifed car, some is for a specified driver on any car, some a specified motor for any permitted driver, some insurance is any driver and car (the latter usually being for commercial / company owned cars).
I guess you parents took you sour their policy when you had you D&D conviction when you lost your licence and either they do not want to retribution the premium for you to reinstate that cover or their insurers wont touch you..
so if you are not covered on their policy then you will need to check your own policies details. copious policies allow you drive other vehicles (however they often limitation the amount of cover (eg thrid party, ie don't cover the cost of damage to the vehicle you are borrowing). you inevitability to check with whoever issues the insuranmce to find out what you are covered for, whether they coiver you for driving someone else's car and so on.
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