I just got my license, and I was wondering if I could drive my mom's car even though I'm not on her insurance yet (because its soooo much money). The car has insurance, I'm just not on it, is it okay? What happens if I get pulled over? Or an accident? I live in Texas if thats important.
Thanks!
2007-02-24 16:39:24 · 20 answers · asked by sweetdesertrose06 1 in Cars & Transportation ➔ Insurance & Registration
Yes if she gives you permission to drive it then it is insured. I worked for an insurance agency once.
2007-02-24 16:41:34 · answer #1 · answered by Anonymous · 0⤊ 3⤋
once you're 25 or over some insurance organizations will enable any driver to operate the vehicle, you do not ought to have your call listed on the coverage. The question will be resolved in the journey that your mom is prepared to make a short call to her insurance employer and ask. wish all works out for the acceptable, take care RE: am i able to rigidity my moms vehicle without my own insurance? My mom has vehicle insurance and each thing, yet i'm in simple terms wondering if i ought to like rigidity her vehicle to the gymnasium or some thing without including me to her coverage? I heard its see you later because the vehicle is insured proper? I stay in california and that i do have a valid drivers license and that i do stay interior the kin.
2016-12-04 22:10:22 · answer #2 · answered by matis 4 · 0⤊ 0⤋
hi,
i don't live in TX but i can tell you the car is what is insured, against damage done to it, or damage caused by it. if you are licensed and have her permission to be using the car then it should be okay. once a year, the ins co's ask for any updates at policy renewal time. she will have to add you as an infrequent driver. which may increase her rates, which you should pay the increase if you want to drive. make sure the registration and proof of insurance is in the car if you get pulled over and always have your license on you.
safe driving! :)
2007-02-24 17:12:08 · answer #3 · answered by Sandra Dee 5 · 0⤊ 1⤋
Depends on if you were excluded or not; many insurers tell the owner that they are not covered for drivers under age 25...so it would be a fight if you caused an accident. But if you are particularly excluded, you would really be in trouble. If you're pulled over, most police only care that the vehicle is insured. They don't worry about the civil stuff...that's not their problem.
But it would be your problem if you caused an accident...
and your mom's!
2007-02-24 19:04:46 · answer #4 · answered by cmpbush 4 · 0⤊ 1⤋
If you live with her, or you live seperate but drive the car on a regular basis (ie. every week) you must be named on the insurance policy.
If the insurance company finds out they can cancel your moms policy for Non-disclosure and thats usually will disqualify her from good rates (if she non-disclosed once, she is a higher risk regardless of her rating).
Best to suck it up and either have yourself added, or dont drive until you can afford the insurance
2007-02-24 18:22:51 · answer #5 · answered by RB 2 · 0⤊ 0⤋
Depends on the particular insurance company/policy~a lot of companies do not insure drivers underage who are not listed on the insurance as covered drivers. If this is the case with your mom's company, then if you are in an accident then she won't be covered by the insurance...
2007-02-24 16:43:18 · answer #6 · answered by cvjade 3 · 1⤊ 0⤋
as far as Texas law is concerned the vehicle is covered ( carry the card ) but the insurance policy may have a provision excluding you - check with your mom and her agent - cops don't read the policy they just match the card to the car ( or driver )
2007-02-24 16:44:09 · answer #7 · answered by Anonymous · 0⤊ 0⤋
no that's illegal. if you got pulled over you'd probably be arrested, and if you did have an accident you mom would have to pay for it all because you werent insured. why not buy a cheap car and get insured on that?
2007-02-24 21:19:06 · answer #8 · answered by jimi 4 · 0⤊ 0⤋
Yes you can drive it as long as the named insured gives you permission...unless you are an excluded driver on the policy, then things get tricky. Just make sure you drive safely and obey all traffic laws.
2007-02-25 05:08:50 · answer #9 · answered by CheleS 2 · 0⤊ 0⤋
sometimes an insurance policy will cover all drivers. So say your mom has insurance and part of the policy covers other drivers...you are in luck. You dont need to have your name on the policy and pay for it, just have her UPGRADE HER insurance to where it covers all drivers...
2007-02-24 16:46:31 · answer #10 · answered by pattihornke 2 · 0⤊ 0⤋
No, you are not covered unless they officially add you. SOme insurance policies cover occasional drivers, but they cant live in the same residence, so if you got ulled over and they asked for proof of insurance you'd be screwed.
2007-02-24 16:42:02 · answer #11 · answered by Miss Interpreted 6 · 2⤊ 2⤋