what happens if I drive without being insured on my dads car?

Answer 1

You are breaking the law and face severe punishment when caught at the very least.

Answer 2

Insurance follows the vehicle. If you are in an accident, and it is your fault, the insurance will cover the incident unless you are specifically excluded from the policy. Then the insurance would request you be added to the policy since they know you are likely to be driving. If your dad at this point didn't add you, his insurance would request he exclude you to confirm you will not have a repeat incident. Depending on how much damage you cause, this would make his premium increase regardless of whether he added you or not at this point, for a minimum of three years. It is likely to cost your family much less to add you as a driver than have to deal with the repercussions of an at-fault accident. Also, it's important if you're driving his car that the property damage on his vehicles be evaluated correctly since the chances of an accident may be greater. For example, let's say dad has a 10k property damage max on his vehicle, and you hit a Mercedes. He needs to be sure he is appropriately insured for the added risk of another driver. If he isn't, this leaves him open to more financial obligation and ultimately the possibility of a law suit should he not be appropriately insured for a loss.

Answer 3

Depends if you get caught. if you drive in a reasonable manner, keep the speedo precisly at the speed limit, no faster or slower, really smooth, judge junctions precisely then nothing, but hey you are a kid so bags of wheelspin 125 in the 30 limit, handbrake turns, and Mr Plod gets an easy conviction.
Now comes the hard part. If Daddy says he allowed you to drive he gets done for permitting the use of an uninsured motor vehicle, which is a few quid but 8 points, like if he has 2 speeding offences he gets a ban, or if he has 1 and gets a further speeding fine he is banned.
Now you get 8 points driving uninsured in any case so the taking and driving away comes free points wise but you could get a few hours community service for the taking and driving away, its your call.

probably easier to nick someone elses motor, or if all else fails why not get daddy to put you on the insurance, although you may lose him his 70% no claim discount, hey why not get your own motor, lots of dealers have unwanted trade ins with a short tax test they would probably let you have for a few quid sold as seen spares or repair, that way you may still have a relationhip with your daddy

Answer 4

This answer applies to UK only.

Nothing unless you have a crash or get pulled over and given a producer.

Even then the fine will more than likely be quite small if they decide to prosecute at all. You certainly will not go to prison.

The law in this country is useless at dealing with things like this.

However if you do crash your dads car you will have to pay out to get it fixed unless your dad lies to his insurance and says he was driving. In that case he may well lose his no claims discount but also risks having his insurance cancelled for lying and trying to defraud the insurance company.

Answer 5

If you have an accident, you'll have to pay the full cost of repairing both your car and the third party's, as well as court costs and compensation. You'll also then face a HUGE fine as well as the possiblilty of having your license taken off you and any license in the future being endorsed with penalty points. Then when you do get a new license, you insurance will be sky high because insurers don't like to take a risk with people who've stupid things in the past.

Answer 6

Nothing - if you don't get caught.

If you are caught, you could loose your license, or wind up in jail, or both, but that's only if the car isn't insured at all.

Also, if you have an accident in your dad's car, his policy will go up and he will be required to add you on as a driver, which will make it go up even more.

However, as long as you have your Dad's permission to drive the car, you do NOT need to be added onto his policy. (Unless you drive it on a regular basis.)

Good Luck!

Answer 7

nothing will happen , untill you get pulled over or in a crash .Lets say you get pulled over for speeding , they will want license registration and proof of valid insurance , you wont have insurance so they will issue you a ticket for driving without insurance ,there is a fine involved and in some states a mandatory suspension of you license for 6 months , if it happens get insurance as soon as possible and when you go to court tell them you have valid insurance now but at the time you didnt but were forced to drive because you had to get to work , you may just get a decent judge and he will slap your wrist and you will have learned a good lesson ...... the other thing is if you get hit by someone else you are now the bad guy because you are driving without insurance ,,,,,,, I have had it happen to me , and I was wishing i had boughten insurance as the fines were more than a years insurance woulda been ...........good luck you might get by for a while without insurance but most certianly you will get stopped eventually for a minor thing and then you wil regret not having it .............

Answer 8

Your dad's insurance would be invalid and in the event of an accident neither your dad, you or the third party could claim. The law would throw the book at both of you. Don't even attempt it, get the insurance sorted

Answer 9

If get in a accident ,weather or not its your fault, The DMV will pull your license for a year in Calif. ITS ONE OF THE QUESTION ON YOUR DMV TEST.

your parents will get sued by the victims, for damages and their rates will go up ,OR drop.

here's another catch, once a family member reaches the age to drive, they need to be added to the parent policy or not.

if you where not living with your parents, then if you took your dads car , your dad would be cover, you would still be in trouble in the DMV'ES eyes.

The reason why is because while you live in the house you have access to the keys continuously,

That why when you apply for insurance, your ask who else lives in the HOUSEHOLD, and you need to omit them or not

Answer 10

Well, worst case scenario, you get in an accident. You get arrested, your dad's car (what's left of it) gets impounded. His insurance doesn't pay for the car, and it doesn't pay for the people you hit, or their car, so he has to write a check for $250,000 for their bodily injury and damage to their car. You have charges pressed against you, the state puts you in a detention home, removing you from your parents, who were negligent enough to give you access to a car as an uninsured operator.

Dad loses his house, becomes an alcoholic street person, and commits suicide a few months later. Mom remarries a guy who hates kids, and you never see her again.


Don't do it.

Answer 11

Nothing unless your caught by the police and then you'll be charged with driving without tax or insurance and will probably get points on your licence and a fine.