I got my licence during the college year, and when i came home for the summer, my parents did not put me on the insurance to save money. Can I drive if one of my parents are in the front seat.
2007-07-19 07:03:44 · 14 answers · asked by Anonymous in Cars & Transportation ➔ Insurance & Registration
sorry for the confusion, i mean if one of my parents in in he front passenger seat.
2007-07-19 07:24:13 · update #1
Don't listen to answers to this question. Every state and insurance company has different rules. Generally, the insurance is on the car, not the driver. But a lot of companies require you to be on the car's insurance to be insured. My car is insured no matter who drives it (USSA). Get your friend to call his company and ask. That is the only way you will get a 100% correct answer.
2007-07-19 07:11:00 · answer #1 · answered by Anonymous · 1⤊ 0⤋
Some companies are insuring anyone who drives the insured owners vehicle. If you are not covered by your parents insurance and have an accident, they can be charged with allowing an uninsurged driver to operate the car, even if they are in the car. The insurance company would not be obligated to pay for the accident either.
2007-07-19 07:43:20 · answer #2 · answered by sensible_man 7 · 0⤊ 0⤋
You can drive any car as long as the vehicle has insurance and you have the owner's permission. Insurance follows the vehicle so the owner does not need to be with you.
If the car is owned by a household member, such as your parents, they will need to add you to the policy, however. You may not be covered in that case if you are not on the policy as an authorized operator, even if they are in the car with you.
Of course if the owner is in the driver's seat, you won't be driving it.
2007-07-19 07:12:19 · answer #3 · answered by Bostonian In MO 7 · 0⤊ 0⤋
If someone else is "in the driver's seat" you won't be driving.
I think most car insurance policies cover the insured party if they give permission to someone to drive their car, as long as that person is a licensed driver. But most policies,, also, have provisions where if you are a licensed driver residing in their home, they HAVE TO add you to the policy, or risk having their coverage dropped. Just being away at college doesn't relieve them of that responsibility.
2007-07-19 07:10:41 · answer #4 · answered by Anonymous · 0⤊ 0⤋
Check with the insurance company, but if you are not living in the home permanently, they may offer coverage for a permissive use driver. Some companies only offer state minimum liability coverage while others offer to cover the same as a named insured.
2007-07-19 07:07:31 · answer #5 · answered by buttrfly52 4 · 0⤊ 0⤋
Ever State has different rules and regulations. Under the State laws of New Jersey your parents are committing insurance fraud by having you in the home but no putting you on the policy.
2007-07-19 08:04:31 · answer #6 · answered by Shwester 2 · 0⤊ 0⤋
your parents did not put you on the insurance to save money.?
mmmm...you can´t drive
but Jime Trimer can make a change of seat when...jeje
I found the best information here. Good luck!
http://all-car-insurance.blogspot.com/
2007-07-20 09:57:05 · answer #7 · answered by Anonymous · 0⤊ 0⤋
some states require all licensed driver to be insured. If your state doesn't require it & you drive then are in and accident you may be responsable for the damages.
2007-07-19 07:11:40 · answer #8 · answered by Anonymous · 0⤊ 0⤋
they have to put you on thier policy . The harm would be if you got in an accident and were at fault , don't think your parents insurance will cover anything .
2007-07-19 07:08:45 · answer #9 · answered by Anonymous · 0⤊ 0⤋
I don't think you can drive if the insured is in the DRIVER'S SEAT, silly!
2007-07-19 07:11:48 · answer #10 · answered by Sunshine 6 · 0⤊ 0⤋