I have a Driving Question. Can you answer it?

Question

My insurance just expired on my car. (I was just getting ready to pay on it.) My sister, who does not own a car of her own, who is not on anyones else's insurance, who just learned how to drive, (18years old), did not know that my insurance had just expired, and had been borrowing my car. She just got pulled over last week and got a ticket for no insurance. They took her licence as "bond".

Will she get her liscence suspended for not having insurance when she was driving someone else's car, when she doesn't even have a car of her own to be insured, to even have insurance for herself??

Will I get my liscence suspended because I didn't have insurance on my car? (even though I wasn't the one driving it)?

Answer 1

You both will get ticketed for not having insurance.

You should not let your sister drive your car whether you have insurance or not.

If she borrows your car and gets into an accident and hurts somebody badly...or god forbid kills them....the victim will first go after her and since he doesn't have insurance and is only 18 probably doesn't have a lot of assets.

Then, they'll go after your parents and their homeowner's insurance policy......there is a personal liability coverage on homeowner's insurance and if she is living at home with them....that insurance will pay out to its limit (usually around $50,000)....then they may go after your parents until they have nothing left....

Then guess where they are coming? That's right, after YOU!

You lent the car and are responsible for the accident just as much as your sister was....

So they'll go after your insurance first (if you have it) and if you don't they'll just go after whatever you have.....house....car....bank accounts.....until they get enough money to pay off whatever the victim needs.....if its some medical bills......or what if the accident was bad and the victim needs lifetime medical bills paid.

Or what if the victim died and left a wife and a few kids who will need a lifetime of lost income expectancy.....

This could end up being a multi-million mistake that YOU would have to pay for.

Do you really want to let her drive your car?

And, do you really want to do that without insurance?

Answer 2

You are required to have insurance on your car. Most states suspend your license for a certain number of days. Those days are the number of days from when you didn't have insurance to the point where you either get insurance or turn in the plates to the car. If it is 15 days, you will then have your license suspended for additional days. Usually if it is a short period of time, they will waive the suspension, since you are already paying a fine from the police for the uninsured vehicle.

Answer 3

Yeah, you both could be looking at suspensions for that. Depends upon state law but at the very least you're looking at several hundred $$$ in fines each -- her for driving it uninsured, and you for allowing it on the road uninsured. You'll both probably be looking at 3 years of increased insurance rates as well.

The operator of a vehicle has as legal obligation to ensure that the vehicle is insured before driving it. Her not knowing that the insurance had lapsed is not a defense, she could have looked at the insurance card that's sitting in the glove box -- or at least SHOULD have been there.

The owner of a vehicle has a legal obligation to maintain insurance on any vehicle used or parked on public roads. "I was getting ready to" just won't cut it with the judge. There's no excuse for this, pure and simple.

You added insult to injury by not telling your sister that the car was no longer insured and that she should not drive it. Some brother...

Answer 4

Every state has their own standards as far as insurance goes. It depends on what state you are in.She will personally be fined at the very least simply because it is the drivers responsibility to make sure the vehicle is properly insured when they choose to get behind the wheel. Whether or not she will get her license back.....yeah most likely she will...they just want her to show up to court...if she doesn't show up they will keep it .

Answer 5

Unless you have insurance that covers other people driving your car, then yes, she is required to have insurance of her own, regardless of whether she owns the vehicle or not. Whether her license is expired or not, that is a matter of your own state law. In my state, we can go to jail for not having insurance.

I doubt you would be penalized for lack of insurance since she was the person operating the car, but that may also be something that varies by state to state.

Answer 6

it depends on the state you are. make sure you get current insurance and have you sister take it to court with her if you get a nice judge in a good mood i have personally seen them throw out the ticket FYI it is the drivers responsibility to make sure the vehicle has insurance before driving
good luck

Answer 7

you can always get more insurance, your sister may have to sign an affidavit saying she does not have a car, i did, but you have to pay the ticket, you both should be okay,

Answer 8

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