I have a really bad driving record and I only need to drive a car maybe 2 times a week. I purchased a car under my dads name to have it put under his insurance.
My question is.. assuming I never get into an accident in this car which is only in his name, and only drive it 2 times a week, do I still need to be on his policy?
If I get pulled over the police obvoiusly won't know I am not on the policy.
Also will my name need to be on the car registration if I'm only driving it once in a while? Thank you.
2006-12-24 06:35:10 · 13 answers · asked by unhappy 1 in Cars & Transportation ➔ Insurance & Registration
yes you need to be on the policy ,,but you do not have to be on the registration of the vehicle,,the way it is right now,,you may not be covered at all on it,and an accident would cause a lot of problems with it,,but as far as the registration goes its not necessary to be on that,,good luck ,hope this help,s.,,have a good x-mas.
2006-12-24 06:40:54 · answer #1 · answered by dodge man 7 · 0⤊ 0⤋
You are likely specifically excluded from this policy, unless your dad was not fully truthful on the application for insurance.
This would be considered fraud by the insurance company.
They will not pay or cover if you are in an accident.
Your dad could be sued for many thousands of dollars in an accident in which you were driving.
You already have a bad driving record -- an objective third party has already designated you ill suited to be on the road.
Don't burden your dad with this.
Driving only 2 times a week says nothing of your actual accident potential.
An accident takes only 1 time -- it could be the 1 time in 5 minute -- it has no respect to Weeks.
Please, for me, your neighbors, and your DAD, Take Public Transportation, or hitch a ride.
Legality is not the issue here, just common sense, financial and community responsibility.
2006-12-24 06:55:23 · answer #2 · answered by Anonymous · 0⤊ 0⤋
"I have a really bad driving record " leads me to believe that you exactly the sort of person that NEEDS insurance.
If you are not named as a driver on any insurance policy for this vehicle then you commit an offence under Section 143 of the Road Traffic Act 1988, a serious offence that will likely lead to about a £400 fine and 6 - 8 penalty points on your licence, assuming you don't have an accident and hurt someone. If you do you can expect to have the book thrown at you and rightly so. How would you feel if someone you love was crippled or worse by some uninsured driver?
The registered keeper of the vehicle is responsible for it being properly maintained, taxed and insured whilst it is kept or used on a public road. If your Dad allows you to drive it then he commits an offence of permitting no insurance and runs a similar risk to you.
When I first worked as a traffic patrol officer we didn't have instant computer records relating to insurance and MOT like today, thankfully uninsured drivers and untested cars can be quickly detected nowadays.
Get some proper insurance or get a taxi or face the consequences, which wil hopefully only hurt your licence and your pocket and not someone or their family.
2006-12-24 06:49:37 · answer #3 · answered by MarkEverest 5 · 0⤊ 0⤋
Depends. If you are over the age of 18 and not living at home, and have his permission, sure. If you are living at home, you won't be covered..
Yes, the police can check insurance policies, and know who is and isn't covered. The first words they will say upon a stop is "License, registration and insurance please."
If you put your car under his name to defraud the insurance, that will be a problem also. Why not put your car in your name and get your own insurance, and clear up your driving record by taking some responsibility?
2006-12-24 08:26:15 · answer #4 · answered by oklatom 7 · 0⤊ 0⤋
There is no law that requires the driver to be on an insurance policy. Most insurance companies may require this, but not the law. As long as YOUR license, and the vehicle's insurance and registration is valid...you do not have an issue.
You can drive any vehicle as long as it is in the same class that you have a license for.
Word of advice: a young driver has a tendancy to get into more accidents due to inattentiveness and/or speeding. Avoid doing other things as much as possible while driving.....know where your controls are so you do not need to look for them....keep both eyes on the road regardless of what is going on around you.......and slow down......
2006-12-24 06:48:23 · answer #5 · answered by Jeffrey F 6 · 0⤊ 0⤋
As far as the police are concerned it doesn't matter if you're on the policy or not. As far as the insurance is concerned, if you're driving it with his permission you're a covered driver. However, if you do have an accident and they find out you are not on the policy but are an occasional driver they will add you to the policy. And no, you don't need to be on the registration to drive a car.
2006-12-24 10:22:20 · answer #6 · answered by Chris 5 · 0⤊ 0⤋
If you want coverage, your name must be on his policy as a rider at least.
It seems that taking risks has been bad for you. Maybe this would be a good time to take a bus, or a bicycle, or carpool with coworkers.
Cars are expensive, and with certain situations, can be very dangerous. Millions of people get by just fine without the burden of a car.
Keep it simple- silly!
2006-12-24 06:41:10 · answer #7 · answered by Lion J 3 · 0⤊ 0⤋
If the driving force replaced into impaired, he's answerable for DUI or DWI. He can say however he desires to approximately you yelling and distracting him, yet he replaced into driving under the impression. Your dad is going to have a substantial subject in courtroom. The worst section is that his insurance rates will bypass for the duration of the roof.
2016-10-18 23:00:14 · answer #8 · answered by ? 4 · 0⤊ 0⤋
The answer is specific to your state. In my state, KS, If the car is insured, reguardless of who's name is on the policy, or who is driving it, the insurance company must cover any accident. The insurance company is required to do this as mandated by state law. This is specific to every state, so you would need to contact the insurance commissioner in your state to get a true answer.
Keep in mind, that if this applies to you, your dad's insurance company may cover it, but they will probably cancel your father after they pay any claim.
2006-12-24 08:43:48 · answer #9 · answered by kstrucker69 2 · 0⤊ 0⤋
Any kind of mishap with the car and your dad would pay and your record would reflect that you were operating an uninsured car and getting insurance at a latter time will cost you big bucks. ask your self if it is worth the risk. Then ask your dad how much money he has for law suits and lawyers.
2006-12-24 06:49:23 · answer #10 · answered by norsmen 5 · 0⤊ 0⤋