I'm just wondering if its MANDATORY for me to pay insurance if the car is already insured.... like the people paying it now don't wanna be paying more to put my name on the insurance too obviously. So what happens if I get in an accident with their car ensured by them? (They're related to me if that helps)
2007-06-22 12:58:41 · 7 answers · asked by Anonymous in Cars & Transportation ➔ Insurance & Registration
It depends on their policy. Some auto insurance policies are omnibus policies, meaning that they apply to anyone who has permission to drive the car. Others limit the people that can use the car. You should check the policy. However, if you get in an accident and the other person puts in a claim, their insurance will still go up because they'll have a claim on their record. When you get insurance for yourself, your insurance will be higher because you have an accident on your record.
Moral of the story: Don't get in an accident! :)
2007-06-22 13:02:37 · answer #1 · answered by chrisatmudd 4 · 0⤊ 0⤋
In most states, the insured is the owner of the vehicle, with regular non-owner drivers listed. Typically, a spouse over 21 is automatically covered, but is listed on the policy, children are not. The policies usually permit the casual use of the vehicle by others with permission - casual meaning not regular. So for example, an owner lending a car to a neighbor whose car broke down, and who uses the car for one day, is covered.
From a legal standpoint in case of an accident, the owner is probably covered even for an accident by a regular non-listed driver, who had the owner's permission (ie a car borrowed by a teenager for a joyride - nope). It depends on state law, and I say probably, because there may be an explicit exclusion for a regular but non-listed driver.
Of course you and the owner would claim that this was only the second day you had been using the vehicle - but now you've provided false information, and if discovered, that could cause the claim to be denied, along with civil and criminal charges for fraud being filed. Remember that more people go to jail in Washington DC for the cover up, rather than the underlying crime.
Even if the owner is covered by state statute, their rates will go up, and of course you will have a mark on your license.
If you were not at fault, then you may get away with this, but if it was you that caused the accident, I don't think much good will come of this.
Look at it this way - it's cheaper to pay and have you listed, and you otherwise have "free" use of the car in that you are not paying for anything but, perhaps, fuel - than to have an accident and end up broke, in jail, and without a friend.
2007-06-22 13:14:02 · answer #2 · answered by Mountain Top 4 · 1⤊ 0⤋
The person who has the insurance pays I think. Not you
2007-06-22 13:01:45 · answer #3 · answered by Stephanie P 2 · 0⤊ 0⤋
lemme answer like this.... it's cheaper to have you on the policy to ENSURE that you are INSURED on that vehicle than to not have you INSURED on said vehicle in case you have an accident. i cannot ENSURE that you would or would not be covered, sorta depends on how the policy is written. drive safe!!!
2007-06-22 13:05:16 · answer #4 · answered by michael_oxgood 4 · 0⤊ 0⤋
Hope your car owner has good insurance, and your name is on their insurance as a driver. Good luck.
2007-06-22 13:00:54 · answer #5 · answered by Silverstang 7 · 0⤊ 0⤋
you need to be covered for that car, get insurance
2007-06-23 12:35:30 · answer #6 · answered by cheri h 7 · 0⤊ 0⤋
The insurance won't cover the damage....
2007-06-22 13:01:29 · answer #7 · answered by Bonita 2 · 0⤊ 0⤋