Are people insured, or are cars insured? Can uninsured people drive an insured persons car?

Answer 1

Officially, vehicles are insured and for many policies, third party drivers are covered, just as some policies provide coverage if the person named on the policy is driving a third parties cars (third party - 1 = car owner, 2=insurance company, 3=other).
I once attempted to buy insurance that covered me and was told I could not. But when I sold off my last car and told the insurance company I would not have a car for at least a year, I was introduced to "Non-Owner Insurance" which would protect me from going on the high cost Pool when I bought a car as they researched to prove I hadn't had an uninsured car. It also provides coverage when I rent a car so I don't have to pay the rediculous daily insurance charges on car rental. It paid for hail damage on one car. The cost of the insurance per year is less than the charges for rental insurance would be for several weekends of rentals.

Answer 2

Yes its illegal. If something happens while that teenager is driving the car your insurance company has the right to deny your claim. It is unlawful in the state of Florida not to list ALL house hold members with a license on your insurance policy. Plus as a parent you will be held responsible for any damages incurred by your teen driver, from medical expenses to the damage to someone else's property. Its just not worth it. Then your going to be left with your insurance company dropping you (also since you purposely didn't disclose the driver its also fraud and makes your insurance contract null and void), and having to find other insurance but now with an accident listed under your record. I know insuring a teen CAN be quiet expensive but its for a reason teen drivers are 10 times more likely to have an accident. If you can't afford to responsibly let your teenager operate your car they should not have a license. Insurance fraud is a crime. Insure your child. -Fl Licensed Insurance Agent

Answer 3

The car is insured but you are required to provide the normal drivers of the vehicle but it covers all drivers for occasional use.

So for example if you insured friends car, and their was an accident (the insurance would apply)

If you drove the car all the time and were not listed on the policy (then the insurance company could choose to void the policy) and you could receive a ticket for driving without insurance

You cant have a friend buy insurance on your car (say if they qualified for a lower rate) in an attempt to get around high rates caused by age, DUI, or traffic accidents.

Answer 4

Insurance goes with the vehicle. You will be issued a card with the VIN of the vehicle covered and what the insurance company is and the policy number. Anyone driving your vehicle with permission is covered on your insurance. If you have people living in your household with a license to drive, they probably should be specifically named on your policy. Check with your agent.

Vehicles, not people, are insured.

Answer 5

Cars are insured. Normally any licensed driver can drive the car with the owner's permission.

Answer 6

You can get any coverage you want. Generally, there's a certain amount your insurance company agrees to pay for medical bills, and a certain amount for repairing/replacing any damage done to the car. Depending on your policy, you can add someone to your insurance, even temporarily, by calling your agent and telling them, or it may cover anyone who drives your car, and not just the people originally listed (you, your spouse, your kids, etc.)

All of this depends on your policy/insurer.

Answer 7

It depends. For most private cars, the owner/driver is insured, and they can have other people added to their insurance. A lot of company cars/fleet cars are insured themselves, and any employee meeting certain criteria (age, endorsements etc) can drive them.

Answer 8

I don't think so, most policies will only cover the car if the person listed on the policy is driving it.