If you have insurance on one car, are you usually entitled to drive any? Borrowing cars seems to be a common thing over there but here (in the UK) you need to have insurance specifically on that car, or a policy where you can drive any car which is not easy to get and is also very expensive?
2006-12-21 22:45:09 · 3 answers · asked by Anonymous in Cars & Transportation ➔ Insurance & Registration
(I need to know because when I come over there next year I will be buying a cheap car to get around in but also driving my girlfriend's...)
2006-12-21 22:46:15 · update #1
Each car you own has to have it's own policy. For example: my policy allows others to drive my car with my approval.
2006-12-21 23:05:12 · answer #1 · answered by Chillin-it 7 · 1⤊ 0⤋
In the US you insure the car, not the driver. If the vehicle has insurance... then anyone who has the owners approval to drive it is covered. Be careful though. If you lend your car out to someone and they get into an accident... your insurance is paying and YOUR rates will go up. In order to register a car (get license plates) you have to first prove that the car is insured. Once the car is insured, any licensed operator can drive it with the owners permission.
2006-12-22 10:54:18 · answer #2 · answered by NY1Krr 4 · 0⤊ 0⤋
Insurance follows vehicles in the US. So if the vehicle has insurance and it is owned by your girfriend and she gives you permission to drive the vehicle her insurance will cover accidents you have if you're driving. But she'll probably need to add you on the policy as a driver anyway. If you buy your own car, you have to buy insurance for it.
2006-12-22 15:25:08 · answer #3 · answered by Chris 5 · 1⤊ 0⤋