Am I covered by my dad's liability insurance?

Question

I just got my license, but my dad says I can't drive his car because I don't have insurance. The car itself has liability insurance under his name, but he says I would need liability insurance before I can drive any car, even if it's just once in awhile. That doesn't really make sense to me, to have car insurance even though I don't have my own car... Is he right? If I were to get in an accident in his car would it not be covered by his liability insurance? Thanks in advance.

Answer 1

The first answer here is completely wrong.

No, you are -not- covered under your father's policy at the moment. Only permissible drivers ever have coverage and if he said 'Don't drive my car', then you're not permissible.

For you to be covered, you're either going to have to have him add you as a driver on his policy or get a Named Not Owner policy. That type of policy follows the driver instead of the car (as regular car insurance does), so any vehicle you're in will have liability protection on it through you. The NNO policies are pretty inexpensive, so you should look into it! Only problem you'll have is that most companies will make you put the policy in his name unless you're over 18. Till then, you can't get your own insurance anything.

Answer 2

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RE Am I covered by my dad's liability insurance?

I just got my license, but my dad says I can't drive his car because I don't have insurance. The car itself has liability insurance under his name, but he says I would need liability insurance before I can drive any car, even if it's just once in awhile. That doesn't really make sense to me, to have car insurance even though I don't have my own car... Is he right? If I were to get in an accident in his car would it not be covered by his liability insurance? Thanks in advance.

Answer 3

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RE :Am I covered by my dad's liability insurance?
I just got my license, but my dad says I can't drive his car because I don't have insurance. The car itself has liability insurance under his name, but he says I would need liability insurance before I can drive any car, even if it's just once in awhile. That doesn't really make sense to me, to have car insurance even though I don't have my own car... Is he right? If I were to get in an accident in his car would it not be covered by his liability insurance? Thanks in advance.
Follow 10 answers

Answer 4

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RE Am I covered by my dad's liability insurance?

I just got my license, but my dad says I can't drive his car because I don't have insurance. The car itself has liability insurance under his name, but he says I would need ...show more

Answer 5

You would have to be added to your fathers policy as a driver. If there are fewer cars than drivers on the policy, you can be listed as an occasional driver which lowers the premium. A named nonowner policy does not cover you in cars that are available for your regular use (whether you use a car in the household or not). So, if you purchased this type of policy, you would not be covered driving your father's car. This is written in the policy form because if you do not own a car, you should be a listed driver on your family's policy. A named nonowner policy is for someone who lives on their own, does not own a car & may borrow a friend's car or rent a car once in a while (or they need an SR22 and don't own a car & there are no cars in the household).
Talk to your father, ask him to call his agent for a quote to add you as a driver & offer to pay the difference in his insurance. That way you are covered & you don't have to worry about it.

Answer 6

He needs to call his insurance company and add you as a driver, in the mean time yes you are covered, but limited

Answer 7

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Answer 8

Your Dad would have to put you on his insurance policy for you to be covered.

Answer 9

The question is, who're you residing with, your mom or dad? i'm guessing your dad, on account that your father has you indexed on his coverage. As a time-honored rule, ANY authorized drivers residing in an area of abode could desire to be indexed on the coverage, on account that at ANY time, you might have get entry to to force that motor vehicle/s. If not residing with mom, then once you pass to her, then in "effect", you might have permissive use to force her motor vehicle, so "ought to" be coated and that they could pay in the adventure that your have been using and in an coincidence. yet this could be a "gray" section due on your mom and dad being divorced, on account that if case in point you follow dad and traveling your mom the different weekend, then you definately've get entry to to her motor vehicle on a "ordinary" foundation vs in basic terms somebody borrowing her motor vehicle and have "permissive" use, like a neighbor, or chum. Or;;;;;;;interior the divorce settlement, does the two your mom and dad had shared custody, and if so, then in effect could desire to be residing in the two families, so the two mom and dad ought to have you ever indexed on their coverage. in my view, i could propose that mom upload you to her coverage, on account that HER coverage corporation has informed her if not, then you definately does not be coated. Does your mom desire to take the prospect they deny and then pass after HER and you for an at fault coincidence. OR,,,,,,,ask to speak to a declare adjuster at your mothers coverage corporation and ask if in an coincidence, could your mothers coverage cover you?? the 1st interest of any declare adjuster is to envision coverage and the adjuster would be conscious of based on your coverage and different questions they are able to ask you, if in actuality they could cover or deny. sturdy success

Answer 10

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