Driving without insurance?

Question

here's example:what if my friend is too drunk to drive a car,and let's me drive it but i don't have any insurance,what happens if i get stopped by cops.And another one: what if don't own a car but drive
occasionally somebody elses' cars or rented,how do i get insuranse?

Answer 1

When renting a car you can purchase temporary coverage . When driving a friends car with their permission(with rare exception) you will be covered by their policy.

Answer 2

NEVER DRIVE WITHOUT INSURANCE. It doesn't matter how far you go or how "rarely" you do it. An accident can happen at any time and in any place. Even if you were the best driver in the world you could still be hit by a drunk or a child could run into the road. Any accident will mean that you will be saddled with a (legally) unlimited liability, a heavy fine, a criminal record, confiscation of the car, legal action to recover costs from the Motor Insurer's bureau; and when you eventually did decide to buy insurance it would cost you a fortune. Uninsured drivers are parasites who cost every other law-abiding driver about £60 per year. This is a levy on their insurance premiums to pay for the costs incurred by uninsured motorists. It's not a legitimate choice "do I take the risk?" What about the other poor sods who could be your victims? Don't be selfish. There are ways of reducing the insurance premiums, such as using a small car, accepting a larger "excess"; and consider paying in monthly installments.

Answer 3

Like others have said, the owner of the car is responsible for the insurance on it. Depending what state you are in depends on if it legal or illegal to drive without insurance. Insurance is only on the car. So, if you're driving and something happens to it you should alright. As long as you are a legal driver that is. When I've rented a car I've had to show proof that I had full coverage insurance and I had to pay a fee to my insurance company for the rental plus they needed a credit card number on file. Some other car rental companies cover the insurance in the price of the rental. If you're talking about a lease car you must carry full coverage on it at all times. You have a policy and usually the dealer has a policy. The lease car is like your own for the term of the lease. Meaning all repairs etc are your responsibility. On insurance policies you can be listed as a driver. I advice you do that do avoid ugly things if something bad happens. If you tell a cop your just driving your friend home because he's drunk and you are a valid driver they shouldn't give you grief about it. One thing to always remember is cops are people too and they do understand.

Answer 4

If your friend is too drunk to drive a car and lets you drive her car. That is a great idea because it reduces the risk of an accident. If you get stopped by the cops and the car is registered that is fine and as long as you have a driver's license. If you don't own a car but drive occassionally somebody elses cars you are taking a big risk. To get insurance for driving someone elses car firstly the owner of the motor vehicle would have to have insurance and place you on their insurance policy as a nominated driver. When you rent a car you generally pay extra for insurance and have to provide proof that you have a drivers license.

Answer 5

Driving your friend's car:
Since it is not your car and you do not have any insurance for HIS car I think there will be a problem. I wouldn't do it. Plus if you get in a crash it will be your fault and you will be responsible if you do not have insurance.
NB: I think some people have on their insurance "uninsured motorist" which means if a friend (without insurance) drives his or her insurance will cover it. However if you're friend is drunk it would be difficult to find that out.
Solution: call a cab for both of you, walk or take the bus/subway (metro)

Driving someone else's car / rented car:
Again if it is someone else's car and you do not have insurance then you will be responsible for any damages that you cause. If it is rented it is up to the car rental place. Most of the time they want to see proof of insurance (at least from my experience) and will not rent you a car if you don't have insurance.

Have a nice day.

Pablo

Answer 6

OK, example #1, if your friend has an insurance policy on the car, and you do NOT regularly operate that car (regular can be anywhere from 4 times a year to once a month), then his insurance will cover an accident. If you get sued personally, well, you're SOL.

If you don't own a car, but occasionally want to borrow someone's car, there's a policy called a "named nonowner" policy that you can buy, if you can FIND an agent willing to sell it to you. It automatically excludes coverage for you driving any car belonging to any member of your household, and it does NOT carry over onto rental cars.

For the rental car, you'll have to buy THEIR liabiltiy insurance - but good luck finding a rental car company that will rent a car to someone that doesn't have their own policy.

Oh,Ugly Duckling Rental Cars in MA will rent to you on a monthly basis, and sell you insurance to cover it. My brother in law did that for a while.

Answer 7

It depends on what state you live in. In Hawaii if you are driving, you are responsible for the vehicle. Meaning everything has to be current. If not and you are pulled over you will be cited. If the owner is in the car when you are pulled over, the owner would get the citation(s).

As far as rentals you can add insurance when you rent the car as part of the rental fee, or check your credit card, as some automatically cover rentals if you use it as payment.

Never heard of insurance that you can get for yourself if you borrow someones car.

Answer 8

Vehicles are insured, not drivers. The insurance policy is on the car, and anyone driving with the owners permission is covered under that policy.

So, the answer is, if you are stopped by the police is "I am the designated driver. Hey Joe, where's your insurance card?"

Someone elses' car, or rented, same answer. Ask the person you borrow from about their insurance card, don't drive it it they aren't insured.

Answer 9

You'll probably be alright... first of all I don't know many cops who would give someone a ticket for getting their buddy home safe. Secondly, many insurance policies cover another person driving that car as long as it's only once in a while. It takes a quick call to find out if their insurance covers it. You may also call Geico or someone and see if they have an insurance plan for your occassional use of other vehicles.

Answer 10

Normally its the VEHICLE that needs to be Insured and not the DRIVER in most States. If you do something wrong while driving someone Else's vehicle you're the one who will get the TRAFFIC Ticket; But if the Vehicle isn't insured then the Owner of the Vehicle will get the Ticket for no Insurance.

Answer 11

Liability covers the car for any driver , liability by law has to pay off , because it covers the damage to the other car and or property ,and passengers it does not cover damages or injuries to the car that causes the collision.or the driver of that car .... however if it has full coverage the liability still has to pay ,but the collision has the right not to pay because you are not listed as a driver on the policy...

as told to me by an insurance agent