Am I covered by my dad's liability insurance?
I just got my license, but my dad say I can't drive his car because I don't have insurance. The coup¨¦ itself has liability insurance under his term, but he says I would need liability insurance back I can drive any car, even if it's just once surrounded by awhile. That doesn't really make sense to me, to have vehicle insurance even though I don't have my own car... Is he right? If I be to get in an misfortune in his car would it not be covered by his liability insurance? Thanks contained by advance.
Answers:
He needs to ring his insurance company and add you as a driver, in the tight-fisted time yes you are covered, but limited
Your Dad would have to put you on his insurance policy for you to be covered.
You would enjoy to be added to your fathers policy as a driver. If there are a smaller amount cars than drivers on the policy, you can be listed as an occasional driver which lowers the premium. A named nonowner policy does not cover you surrounded by cars that are available for your regular use (whether you use a car in the household or not). So, if you purchased this type of policy, you would not be covered driving your father's coup¨¦. This is written in the policy form because if you do not own a car, you should be a nominated driver on your family's policy. A named nonowner policy is for someone who lives on their own, does not own a car & may borrow a friend's vehicle or rent a car once in a while (or they requirement an SR22 and don't own a car & there are no cars surrounded by the household).
Talk to your father, ask him to call his agent for a quote to add you as a driver & propose to pay the difference in his insurance. That agency you are covered & you don't have to worry in the order of it. Source(s): Insurance agent over 18 yrs. Know insurance laws in 6 states.
So you like InsuranceQuotesFAQ.com so far! Congats on your liscence!
The first answer here is completely wrong.
No, you are -not- covered under your father's policy at the moment. Only acceptable drivers ever have coverage and if he said 'Don't drive my car', then you're not tolerable.
For you to be covered, you're either going to have to own him add you as a driver on his policy or get a Named Not Owner policy. That type of policy follows the driver instead of the motor (as regular car insurance does), so any vehicle you're in will hold liability protection on it through you. The NNO policies are pretty inexpensive, so you should look into it! Only problem you'll have is that most companies will make you put the policy contained by his name unless you're over 18. Till then, you can't receive your own insurance anything. Source(s): *insurance agent* :D
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Answers:
He needs to ring his insurance company and add you as a driver, in the tight-fisted time yes you are covered, but limited
Your Dad would have to put you on his insurance policy for you to be covered.
You would enjoy to be added to your fathers policy as a driver. If there are a smaller amount cars than drivers on the policy, you can be listed as an occasional driver which lowers the premium. A named nonowner policy does not cover you surrounded by cars that are available for your regular use (whether you use a car in the household or not). So, if you purchased this type of policy, you would not be covered driving your father's coup¨¦. This is written in the policy form because if you do not own a car, you should be a nominated driver on your family's policy. A named nonowner policy is for someone who lives on their own, does not own a car & may borrow a friend's vehicle or rent a car once in a while (or they requirement an SR22 and don't own a car & there are no cars surrounded by the household).
Talk to your father, ask him to call his agent for a quote to add you as a driver & propose to pay the difference in his insurance. That agency you are covered & you don't have to worry in the order of it. Source(s): Insurance agent over 18 yrs. Know insurance laws in 6 states.
So you like InsuranceQuotesFAQ.com so far! Congats on your liscence!
The first answer here is completely wrong.
No, you are -not- covered under your father's policy at the moment. Only acceptable drivers ever have coverage and if he said 'Don't drive my car', then you're not tolerable.
For you to be covered, you're either going to have to own him add you as a driver on his policy or get a Named Not Owner policy. That type of policy follows the driver instead of the motor (as regular car insurance does), so any vehicle you're in will hold liability protection on it through you. The NNO policies are pretty inexpensive, so you should look into it! Only problem you'll have is that most companies will make you put the policy contained by his name unless you're over 18. Till then, you can't receive your own insurance anything. Source(s): *insurance agent* :D
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