Is it AT ALL possible for me to be on someone's auto insurance who lives in North Carolina. I live in Georgia, and my insurance will be about $400 without his insurance coverage (I just got my license and Im 20...lol). So, is it a way for me to be on my friends insurance while being in another state???? ALL of your answers are APPRECIATED!!!!
2006-10-18 16:11:18 · 7 answers · asked by Mary Rashelle 2 in Cars & Transportation ➔ Insurance & Registration
Ummmm...no. Many insurance companies here in NC will not insure out-of-state drivers. At least the one I work for doesn't. Plus you do not live in their household and therefore you are not a regular operator of his vehicles, so there is no valid reason for you to be on his policy, other than fraudulent ones (which another poster already mentioned). Plus, even if you were on an NC policy, once you wreck a vehicle in Georgia, the insurance company will find out that you are residing out of NC and will then likely cancel your friend's coverage, which will put him in a world of trouble.
Considering you are newly licensed, and therefore considered an inexperienced operator, $400 really isn't that bad. I know people who pay farrrr more. I know I did when I was newly licensed. If you don't own a vehicle, you should look into non-owner's insurance. It is usually fairly reasonable.
Good luck, please don't try anything fraudulent!!!
2006-10-19 09:29:57 · answer #1 · answered by Beth 4 · 0⤊ 0⤋
Unless his liability security policy states an exclusion such as no unmarried drivers under age 25, you should be okay to drive his vehicle in NC. You must read the fine print or you could easily be up s### creek without a paddle with most of these insurance companies. Good luck.
2006-10-18 23:22:44 · answer #2 · answered by cmpbush 4 · 0⤊ 1⤋
listen to bostonian. You are definately talking about fraud. let me tell you as a former progressive insurance employee .....they have seperate departments devoted to finding out the scams that you are trying to pull. DO it the right and legal way like the rest of us. Just think, if you were in an accident and seriously injured another person....your insurance wouldn't be valid and that poor unlucky soul would be screwed. Just remember...karma is a *****.
2006-10-22 20:51:53 · answer #3 · answered by greenwald 3 · 0⤊ 0⤋
I would say you can buy insurance from any carrier in any state as long as it meets your states requirements if your state requires liability insurance but you might make the others insurance go up since your a new driver under 30
2006-10-18 23:18:48 · answer #4 · answered by matt h 2 · 0⤊ 1⤋
No, you generally have to live in their household to be on their policy. The vehicle must be principally garaged at his residence. That's pretty hard if you're in a different state.
What you are proposing is insurance fraud, a felony in most states.
2006-10-19 06:50:20 · answer #5 · answered by Bostonian In MO 7 · 0⤊ 0⤋
like that situation i would move to a very quit city where there is no a lots of cars and everything will be how you want
2006-10-18 23:16:15 · answer #6 · answered by Sweet guy 1 · 0⤊ 1⤋
yes-his will go up though
2006-10-18 23:14:30 · answer #7 · answered by michael_stewart32 4 · 0⤊ 1⤋