Auto Insurance Question?
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Answer:
It depends on what his policy says, some cover your vehicle no matter who drives it. As far as driving uninsured only the vehicle has to be insured. But you should already have insurance because the DMV want issue you a Dl without insurance on some car.
Best bet...never drive a car that you are not insured for. Just don't do it. You will save yourself a huge headache. Forget about getting pulled over, what if you got into an accident? If the crash didn't kill you your dad sure would.
If you are not named as a driver on your Dad's policy and you drive his car, you could get into serious trouble. For starters, if you get pulled over you'll be ticketed for driving without insurance. In some states they can revoke your license since you're under age 18 just for driving without insurance. If you did get into an accident, your Dad's insurance company won't cover any of the costs for injury or damage, so they would come after your Dad for the bills. Good way to get into your Dad's doghouse. Don't try it. It's not worth it.
I think each driver has to be insured. But I'm not sure. You could always call his or any other insurance company and ask. They would probably be able to tell you for sure if this is the case or not.
Yikes... and how do you know you wont get in an accident... let me guess "your a good driver"
Let me ask you this: What if your driving your dad's car.. and someone runs a red light and rolls his car over?
The other driver ends up being uninsured and you call in the claim to your dads insurance. They deny the claim because you live in the house and arent on the policy and were driving.
Now you not only have no car.. but have thousands in medical bills that your family cant cover.
How about you just add your name to the policy.. your will be doing a very risky thing driving without that.
If you got pulled over you probably wouldn't get a ticket because the officer is most likely not going to check who's on the policy. He'll just look at the proof of insurance and make sure it matches the vehicle. But if you were to get into an accident the insurance company probably won't cover anything because you're not named on the policy. You should have your dad add you onto the policy if you're going to be driving his car. It will be more expensive but worth it because again if you did get into an accident without being on the insurance it could get very expensive especially if you are sued.
Your dad is responsible for putting you on. Insurance goes with the car, not the person -- no ticket for "not being insured". If you get into an accident, the insurance will cover it, but they'll make your dad either put you on the policy or make you an excluded driver. All drivers in the household are supposed to be listed on the policy
Yes you can drive that car although the car was insured but yet you are not listed on the insurance policy of your father. Youre making a big trouble if you will drive it and accidents can possinbly happen and we cant avoid that. Try to convinced your father to include you on his policy so that you everything will be in place for driving his car. You can consult to his car insurance agent or you can search it out on the net try to visit this site http://www.nightbirdssolutions... com for your proper guidance about car insurance companies.
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