Can a person with a driver's license but no insurance, legally drive another person's car?

Question

I live in Pa. Can a friend who is a licensed driver but has no car insurance drive another person's vehicle legally? What are some problems which could happen?

Answer 1

depends on how the policy is written-----

generally though the insurance follows the vehicle for property damage and liability and collision coverage

the registered owner takes on the responsibility of the driver he lent his car too. so if you wreck your friends car and injure somebody, they have the right to go after the owner and his assets....

so be careful who you lend your car to.

Answer 2

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RE Can a person with a driver's license but no insurance, legally drive another person's car?

I live in Pa. Can a friend who is a licensed driver but has no car insurance drive another person's vehicle legally? What are some problems which could happen?

Answer 3

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RE :Can a person with a driver's license but no insurance, legally drive another person's car?
I live in Pa. Can a friend who is a licensed driver but has no car insurance drive another person's vehicle legally? What are some problems which could happen?
Follow 19 answers

Answer 4

Yes, that person just has to get permission with the owner of the vehicle, which is usually, the insured, which means that if he gets into an accident, the blame will be moved to the insured and the coverage will be the same as if the insured was driving. If something happens the insured's rates will usually go up.

Answer 5

No. But it's even worse.
It's commonly believed that if you "let someone drive your car" with permission then they are covered.
THAT IS NOT TRUE!! You'll find that out if someone ever wrecks your car or you wreck theirs. You'll have a mess.
The CAR is covered for insurance, and the car is covered for a list of drivers you provide. If someone will be driving your car on a regular basis just put in a call to your agent and get them added. Your rates may go up or down depending on their driving record. Don't try explaining this concept to anyone over 50, though, they can't learn new concepts.

Answer 6

YES. The only exception is if your friend has regular access to the car, and/or lives with you, and you have a policy like Progressive, which makes you list (ie, insure) drivers who have regular access to the vehicle (more than six times a year).

The main drawback is, if they have an accident with your car, your collision deductible applies, AND the accident follows YOU for the next three years. Which means you'll pay the surcharge.

Answer 7

The vehicle itself has to be insured. The only problems I know of that could happen is if the person who had the insurance had some kind of special clause in their policy that prohibited someone not on the policy from driving or if it had an escape clause saying that if someone not on the policy was driving then the insurer wouldn't be liable to pay for an accident.

Answer 8

It's against the law to drive without insurance.

If you get stopped, you'll get a ticket. In some states, they tow your car.

If you get in an accident, you're going to be financially responsible for damages, not only to the car, but if you're at fault, the other party's car and any medical expenses they may have from injuries.

Answer 9

Insurance typically covers the car and legal driver. If you are licensed, you are a legal driver...assuming you have the owners permission to drive his/her rig.

Answer 10

Its not good to let someone drive someone else's car without insurance. However, some ppl. have insurance to cover anyone driving there vehicle. I wouldn't recommend it though. They have a lic. they should get there own insurance.