The driver is a male, 21 years old, with a NJ driver's license.
2006-06-07 13:51:44 · 19 answers · asked by ROSE H 1 in Cars & Transportation ➔ Insurance & Registration
Not so fast WyattEarp. Many states now have "named driver" policies which do not cover drivers not expressly listed on the policy. If your policy isn't one of that type and your driver isn't otherwise excluded then yes, he would be covered. Best bet is to ask your agent (not your company) about it. Just treat it as a hypothetical question so you don't get him thinking you've got undisclosed regular operators. If you call the company directly, they'll run every report on you they can think of and you'll be signing driver exclusion forms on your neighbors before it's over.
2006-06-13 13:52:28 · answer #1 · answered by texaspicker0 3 · 0⤊ 0⤋
1
2016-09-25 20:54:47 · answer #2 · answered by ? 3 · 0⤊ 0⤋
WOW most of these people are way off on their answers. All policies are different and must be read but for the most part, an insured vehicle can be driven and insured by a licensed driver with permission but in most cases the person with permission must be 25 or over even WITH permission. I know this because I loan my car to my daughter and she just turned 25 and is insured but as I said, every state and policy is different. Some states are 23 and over. Almost no one insures a 21 year old unless you have a high risk policy in effect for yourself as well.
2006-06-07 14:35:06 · answer #3 · answered by kellymichel2000 2 · 0⤊ 0⤋
You have to know the law for your state.
All vehicles registered in New Jersey require three types of mandatory insurance:
Liability insurance pays others for damages that you cause if you are responsible for an accident. It does not cover medical expenses.
Personal injury protection (PIP) pays medical expenses if you or other persons covered under your policy are injured in an automobile accident. Often called No Fault coverage, it pays your medical expenses if you were or were not at fault.
Uninsured motorist coverage protects you if you are in an accident with someone who lacks the minimum level of insurance required by law.
2006-06-07 13:58:18 · answer #4 · answered by xx_muggles_xx 6 · 0⤊ 0⤋
I believe that as long as he is a licensed driver, it is ok for him to drive an insured car. If he gets into an accident, though, it will go against the car owners' insurance. Many people aren't willing to take that risk.
2006-06-07 13:54:20 · answer #5 · answered by Anonymous · 0⤊ 0⤋
On my car I have full coverage insurance. If I let someone drive my car and he has an accident, then my insurance pays because it was my car. As long as you are licensed, I think most policies allow it. You are insuring the car, not the driver (per se)
2006-06-07 13:54:09 · answer #6 · answered by Mom of 3 3 · 0⤊ 0⤋
Since the insurance atttaches to the vehicle, not the driver, the insurance is valid and in full force.
If the driver resides in the same household as the vehicle owner, he or she must be named on the insurance policy. A relative who does NOT live in the same household does not need to be named unless they are a regular operator of the vehicle.
2006-06-07 13:57:27 · answer #7 · answered by Bostonian In MO 7 · 0⤊ 0⤋
no you have to be insured . If you were insured full comp then you can drive any car that's insured full comp by anybody , but if you are only insured third party you can only drive the specific you are insured for .Family members dont matter you would have to be a named driver sorry to pass on bad news
2006-06-07 13:58:38 · answer #8 · answered by Anonymous · 0⤊ 0⤋
Virtually everywhere anyone that has an insured vehicle can give permission to any licensed driver to operate the vehicle.
2006-06-07 13:55:14 · answer #9 · answered by ☼Jims Brain☼ 6 · 0⤊ 0⤋
Insurance follows the car/vehicle, not the person. So, as long as the person driving your car has a valid license & has your permission it is ok.
2006-06-08 03:43:01 · answer #10 · answered by racer_chick79 2 · 0⤊ 0⤋