If I want to drive my friend's car, do i have to get approved by his auto insurance company?
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Answer:
This depends on alot of things.First of all the insurance company she has,what their underwriters say about it,meaning their regulations,and if you are going to be driving it on a regular basis or just for a once in a great while thing.
I can speak for the company I work for even though I cannot mention the name of it.( company rule.)
In order to be covered under a policy you have to be either one of these....
If you live in the same household, you must be listed as a driver.
If you do not live in the household but drive the car on a regular basis, you must be listed on the policy as a driver.
All others are covered under permissive use.In other words, if you never drive your friends car normally, but happen to be over at their house and they need you to go to the store for them, or you need to borrow it for a day, that is permissive use.
FYI - full coverage pertains to the car itself.Not the drivers.Full coverage, covers the damage to the car.Liabilty coverage just covers the bodily injury and property damage you cause to others while driving the car.
I hope this helps.
you have to be covered as a currant driver of said vehicle or have your own ins.
Depends on the state, I know in hawaii that it does not matter. In addition, to be covered you must have your own form of auto insurance, as well as make sure that his car is insured and registered properly as well.
If this person has full coverage, and is with you at the time of driving, and their insurance company covers other drivers. But most likely that isn't the case. You will be risking a lot if you got into a accident. You should have your friend put you onto their insurance police. You should have your own insurance also. Driving without insurance is against the law.
If you'll be an occasional driver, no. All that's required then is the owner's permission.
If you'll be regularly driving the vehicle, yes, you need to be on the policy as an additonal driver.
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