Can a licensed 16 year old, drive even though he isn't insured?

Question

My Brother is 16 years old, and has his drivers license but is not on either my fathers insurance nor my mothers. Can he drive with out a parent?

My Brother is 16 years old, and has his drivers license but is not on either my fathers insurance nor my mothers. Can he drive with out a parent? Will the other parent get charged as well (( my parents are divorced, and my father is letting him drive with out being insured.)) ?

Answer 1

He should have been added to the insurance policy when he started driving with his permit.
Not really your business though -- your parents will be at fault if something happens.

Answer 2

Prob. not. Although he may be covered automatically by that insurance without your parents adding him.

BUT... if he is not, the risk is tremendous. If he causes a major accident he will lose his license but his parents must foot all the bills.

With the cost of a typical vehicle in the $20k range
Most hospital stays a minimum of $20 to $50k for a broken bone or two
and Pain and Suffering and expenses in the $10 to $20k range for a disabling injury like broken bones but nothing permanent. For permanent disability - think 'sell the house'.

your brother needs to ask, in his most mature manner, can your parents afford his mistake or should someone buy the insurance (or he simply wait to drive) .

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Followup comment based on your additional information.

If your brother has an accident, the owner of the car will get sued as well as the custodial parent.

(At least that is how I would do it if he ran into me).

Make sure the custodial parent knows that he is driving since they are being exposed to the liability but are not even aware of it (thats called blindsiding)

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Answer 3

No absolutely not....unless on private property...but will not be covered if anything happens. Your parents will be held liable if he drives on public roads and is in an accident and it could bankrupt them. If he is pulled over he will most likely get a very expensive fine....license taken away for years and go to court with lawyers fees .......it may be a wise decision to inform your brother....and if he persists then let your parents know. Your brother is doing a very foolish thing, but may be ignorant to the consequences or the law. Give him a chance to do the right thing, by informing him, and if he continues...let your parents know. If your parents already know, than they are playing with fire. I'm not sure about other provinces but in Ontario, he must drive with a licensed driver who has had a license for 4 years. If he is 16 then he will have his G1...it takes a year to get G2.. and then the restrictions are less. Best Google and check the government Ministry of Transportation website and search G1 license restrictions or FAQ which is frequently asked questions.

God Bless You,

Daniel
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Answer 4

I believe most states require insurance on the car not the driver. thats how it works here in NY. As long as the car has insurance it's covered no matter who is driving assuming they have a legal drivers liscense.

Answer 5

Of course not! Driving without insurance is against the law! Even if the parents have insurance, if he isn't on the policy-WALK!

Answer 6

He's not legally allowed to drive at all in most states. But there are hundreds of thousands of uninsured drivers out there. It's hard to enforce. Unless you get pulled over, there's no way anyone will know you aren't insured.

Answer 7

I think what the question is asking is whether the driver needs to be insured. assuming that the car that he is operating is insured by his parents

Answer 8

Depends on your state. Here in TN, it's illegal to drive without car insurance regardless of license status or age.

Answer 9

No one is supposed to drive uninsured. Maybe he would be covered as a "permissive user". Read your parents' insurance policy to find out.

Answer 10

No one can drive without insurance. That's the law, baby.