I just handed in my bike permit, for a CT state Driver's License. In order to drive my parents' cars, do I need to be insured/added to my parents' insurance policy? We have two cars. Both cars are insured and registered with the DMV. As a new license holder, my insurance would be sky high if I were to be added to my parents' plan. If I went solo, without being added to the plan, can I drive my parents' cars by myself?
2007-07-25 15:52:53 · 10 answers · asked by Anonymous in Cars & Transportation ➔ Insurance & Registration
You don't have to be added to the policy. I assume you will be driving your parent's vehicles. As long as you have permission to drive their cars, you are a "permissive user." So you would have full coverage. However, if the insurance company finds out there is a "youthful driver" in the household, they will want to add you to the policy. That's really just for rating purposes (so they can charge more premium). Some insurance companies will run all their insured's addresses through a database with a DMV vendor, and search for all licensed drivers in each household to make sure that everyone is listed and accounted for. If the insurance company ASKS for the names of all licensed drivers in the household, you should give them a truthful answer. If they don't ask, then fine -- you're free to keep driving, and you can stay under the radar as long as you don't have any accidents, or they don't ask your family to list all licensed drivers in the household. Just remember, as a permissive user of the vehicle, you have full coverage.
Adding comment by edit --- I disagree with "Jifr." But since insurance laws vary from state to state, I will qualify my answer. My answer would be true in the following states: Minnesota, Wisconsin, Iowa, North Dakota, South Dakota, Montana, Washington, Utah, Idaho, Oregon, and Arizona. I suspect it is true in most other states too, but these are the states I am currently working in. Since we are using standard ISO or AAIS insurance forms, which are also used across the country, I suspect this is pretty standard industry-wide. But certainly there could be other states that have some weird anomoly that is different from the majority of the states. The only state that matters to you is the state that you live in. The answer could be completely different for different states.
2007-07-25 17:42:10 · answer #1 · answered by NotScarry 3 · 0⤊ 0⤋
Ummmm....
Gotta get your facts straight.
IF you live in your parents home and you are a minor of driving age.......you MUST be either added or EXCLUDED from your parents policy. ALL insurance companies will require this of any of-age minor drivers in the home.
(Contrary to what is listed above about permissive drivers - if you live in the home, are a blood relative and use the vehicle on a regular basis......you will not meet the definition of a "covered driver")
IF you are of college age and your primary residence is your parents home (if you stay on campus but go home to your parents house - that is the same) - You need to be added or excluded as well.
IF you DO NOT live with your parents - you need to have your own insurance.
If you do not live at home but use your parents car(s) on a SELDOM basis with their permission - you would be covered. (This could pose a coverage problem if you used the vehicle on a regular basis and were not on the policy)
If you got your own insurance....you are typically covered on any vehicle you drive with permission (unless you drive commerically - like pizza delivery. There are some other exceptions as well)
I think that answers your question. You know - it REALLY concerns me when people give answers about stuff like this when they don't know what they are talking about. Being funny is one thing but being biased and uninformed is another. Anyway, that's my soap box and I'll get off now. Sorry to rant on your post.
Goodluck!
~jifr!
2007-07-26 11:53:12 · answer #2 · answered by Jifr 4 · 0⤊ 0⤋
The best thing would be to be added to the parent's plan. I know it's expensive, but if you get caught driving without insurance while you're under 25 then you could lose your license in many states. It's not worth it.
2007-07-25 23:53:37 · answer #3 · answered by Anonymous · 0⤊ 0⤋
It would be smarter to be added to your parents insurance. The rates would be much lower than if you tried to get it in your own name. You can do this as long as you are a dependent of your parents and you either live at home or a student. Good luck and drive safe.
2007-07-25 23:02:38 · answer #4 · answered by Fordman 7 · 0⤊ 0⤋
You didn't say how old you are. Most companies will not (can not) sell you your own policy if you are under 18. If you get your own policy, make sure you are insured in any car you drive.
2007-07-25 23:43:14 · answer #5 · answered by sensible_man 7 · 0⤊ 0⤋
depends on how many times to drive the car. you can place you name to you parents car insurence as an ocassinal driver. this will mean they wont pay as much. but with certtain insurence comapines they clasify ocassional drivers difrently. the best thing to do is call the insurence co. and ask them your self. if you dont want to say it you just say its on behalf of a friend
2007-07-26 00:36:40 · answer #6 · answered by Anonymous · 0⤊ 0⤋
yes add it to ur parents insurance if you don't have a car then put like ur drive the vacationaly the insurance will much lower
2007-07-25 22:58:45 · answer #7 · answered by kiran y 1 · 0⤊ 0⤋
You have to be on your parents' plan to drive legally, or have your own car and own insurance, which is much more expensive.
2007-07-25 23:16:59 · answer #8 · answered by Scott H 7 · 0⤊ 0⤋
there can only be one automotive insurance plan on a particular vehicle ....so no, to drive her vehicles you have to be on her insurance policy or be 25 years old or older
2007-07-25 23:02:43 · answer #9 · answered by Anonymous · 0⤊ 0⤋
hi........
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2007-07-25 23:33:31 · answer #10 · answered by Anonymous · 0⤊ 1⤋