I have never had a drivers license, my husband always took me everywhere I needed to go. He passed away, but I still own the vehicle. I kept it so people could take me somewhere. The insurance we always had still allows me to keep coverage on my vehicle. I was wondering is this legal? Can an insurance cover a vehicle if it's not a licensed driver that owns it, and would my insurance cover other people driving my vehicle. I called some other insurance companies to change insurance for lower rates and they told me they couldn't insure my car because I'm not a licensed driver. Can someone please help me and tell me if my insurance company is in the wrong.
2007-08-03 08:57:10 · 8 answers · asked by tangyjod 1 in Cars & Transportation ➔ Insurance & Registration
Sure, but you can ALSO put the policy in YOUR name, with an operator exclusion form for you, the unlicensed driver.
Then you list the LICENSED driver who drives it most of the time. That's the PROPER way to do it.
The name on the title, registration, and policy all have to match. The ONLY exception, is for a spouse.
Insurance companies don't HAVE to offer the operator exclusion form, and they're going to INSIST that you list a licensed driver. Assuming the car is driven more than 10 times a year, who's driving it? A kid? A neighbor? List them.
So if your company won't do it, call around, find an independent agent who's willing to do it. It could be that your agent doesn't know how, or it could be they only represent ONE company, who doesn't like to do it.
Sorry, I looked at the answer right above mine. DO NOT CANCEL YOUR INSURANCE AND LET SOMEONE ELSE DRIVE THE CAR. That's nuts. YOUR car will be uninsured. YOU will be uninsured - if they, God Forbid, kill someone in your car, YOU WILL LOSE YOUR HOUSE, and all your assets. Not to mention, unless you live in NH, your tags will be revoked for cancelled insurance.
2007-08-03 09:30:55 · answer #1 · answered by Anonymous 7 · 3⤊ 0⤋
Insurance companies what to know who is driving so they can predict the chances of there being an accident. Just get your license and still let other people drive you around.
I know they will insure a person with no car, so that whatever car they do drive they can be covered. They charge more.
Keep looking. You should be able to find a company that will cover you. Or find one person you trust and say they are the licensed driver for you and will be operating your car. for you (like your care-taker (not that you need one))
2007-08-03 09:05:36 · answer #2 · answered by Rawbert 7 · 0⤊ 0⤋
The car is insured, not the owner. The policy may not cover anyone who drives it, only the person(s) listed on the policy. These people usually need to live at the same address as the insurer and be related. You need to check with your company to see who is covered. If the owner is the only one covered, and you do not intend to get a license, cancel the insurance and save the money. makes no sense to pay for something that does you no good. The people that drive you around may have insurance that covers them in any car they drive (mine does). Make sure of this before letting them drive your car. If your insurance and their insurance does not cover them, you will be liable in case of an accident for allowing an uninsured driver to operate the car.
2007-08-03 09:08:55 · answer #3 · answered by sensible_man 7 · 0⤊ 2⤋
no they are right . they want to see what your driving record looks like to make sure they give you the right coverage.if you have a driver in the house , have them put the insurance in their name and you pay the premium every month .that way the car can still be in your name but you have insurance on it where that person can drive that car and take you where you need to go
2007-08-03 09:03:46 · answer #4 · answered by Anonymous · 0⤊ 0⤋
No, the coverage is VOID if the driving force isn't legally approved for the automobile being operated. One exception: If the operator did not have the owner's permission AND if the owner swears out a grievance for vehicle robbery the automobile would be considered stolen and the coverage pays. of course, the driving force will then be prosecuted for GTA.
2016-11-11 03:21:19 · answer #5 · answered by sanderson 4 · 0⤊ 0⤋
try different insurance companies . a blind friend of mine got a car and insurance but that was a long time ago . or find a relative you can put as co owner, ( make sure you trust the relative),. or get your license.
2007-08-03 09:01:17 · answer #6 · answered by Anonymous · 0⤊ 1⤋
look at this way what if you get into an accident who's gonna sign the cheque? they will file insurance fraud charges these days..no kiddin save yourself a court date and a fine..insurance companies do background ,credit checks, address verification.they police more than our good folks in law enforcement.
2007-08-03 10:46:49 · answer #7 · answered by cardona6969 2 · 0⤊ 0⤋
You could get owner's insurance it costs a little more though,bc the driver is unnamed.
2007-08-03 09:02:42 · answer #8 · answered by Felecia K 2 · 0⤊ 1⤋