my friend has the car insured but I hold no auto insurance at all. What type of insurance should i get if any?
2007-07-23 07:40:59 · 22 answers · asked by dmco 1 in Cars & Transportation ➔ Insurance & Registration
From what i know the only way you would be covered if you were driving your friends car and got into an accident, is if you have PERMISSION from the owner of the car. The insurance always applies toward the CAR not the dirver. If you do not live with the friend, there is no way that he could add u to his current policy as an occasional driver. That only applies to household members. If you are a household member, and u get in an accident driving that car, that is when you would be have to added to the policy.
For now you shouldnt worry, and spend more money....
2007-07-23 09:09:22 · answer #1 · answered by Anonymous · 0⤊ 1⤋
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RE: If i'm driving my friend's car do i need an insurance? any insurance at all?
2014-06-26 00:29:53 · answer #2 · answered by ? 1 · 0⤊ 0⤋
Most insurances do not cover other drivers. If you are going to be driving the car for a while then you should ask him to put you on his insurance and you'll pay the difference. There's nothing you can do since it's his car and insurance.
2007-07-23 14:45:26 · answer #3 · answered by Steven's Love 4 · 0⤊ 0⤋
Insurance applies to the car only. Most now days have a policy where ANY driver who drives the car is insured from loss, not just the owner.
2007-07-23 14:43:23 · answer #4 · answered by FaZizzle 7 · 0⤊ 0⤋
If i'm driving my friend's car do i need an insurance? any insurance at all?
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2014-07-14 16:10:18 · answer #5 · answered by ? 1 · 0⤊ 0⤋
Does your friends insurance company provide coverage for you? When you get pulled over and you show them the proof of insurance, your probably legal. But what if you had to make a claim? Are you covered? You would need to call your friends insurance company to really know. You can also call and get condidtional insurance on the vehicle, in other words, coverage during a specific time and day for the purpose of working only. Call GEICO and talk to a salesman, it costs nothing to ask.
2007-07-23 14:46:03 · answer #6 · answered by BudLt 5 · 0⤊ 1⤋
Most policy documents in most U.S. states provide coverage clauses for "permissive use," which means any loss occurring while you are driving your friend's car will be covered AS LONG AS your friend indicates to their insurance company that you had permission to use the vehicle. The bad news is that your friend's rates would likely go up if you got into an at-fault crash.
2007-07-24 04:33:40 · answer #7 · answered by antiswa77 1 · 0⤊ 0⤋
Chances are, his policy won't cover you or the car if you are driving. he needs to add you to his policy. However, this is not likely to be favored by the insurance company, and his rates will certainly go up. They may even drop his policy.
There is no insurance available for you if you are driving someone else's car.
2007-07-23 14:45:01 · answer #8 · answered by Anonymous · 0⤊ 1⤋
It depends on the state, but in most states it is the CAR that carries the insurance. So unless his policy specifically excludes you, you will be convered. But don't assume that this is true, check with his insurance agent first.
2007-07-23 16:39:43 · answer #9 · answered by Anonymous · 0⤊ 0⤋
well, lets put it this way, your friend has a car he/she is letting you drive, they have insurance, but...would it be fair to the friend if you have an accident and THEIR premiums go up? why would you want to put that burden on them?
look into getting your own insurance and save them the possible expense.
2007-07-23 14:50:15 · answer #10 · answered by Anonymous · 0⤊ 0⤋