Let's say my uncle has a car which is insured under his name. He let me drive occasionally to here and there, but my name is not on his insurance. I am just wondering what would be the conseqence if I get caught by police (eg. speeding) and police found out that my name is not on the insurance. Thank you for your time.
2007-08-09 04:08:45 · 7 answers · asked by True G 1 in Cars & Transportation ➔ Insurance & Registration
Well, if the car is insured, YOU are insured to drive it on an occasional basis because the definition of an "insured" on an auto policy includes anyone driving the vehicle with permission. IF you are either a regular driver or a member of your uncle's household AND do not have your own car and insurance, you need to be a listed driver on the policy. This is something enforced by the insurance companies, NOT law enforcement. As long as there is a valid insurance ID card in the car, the only thing the police MAY do is check with the DMV to be sure the insurance is current & that is only if the insurance companies are obligated by law to notify DMV of cancelled policies, if not, this will not be done.
The police have NO way of knowing if you are a listed driver on the policy & they don't care anyway. The law only states that all VEHICLES driven in the State of NY have to be insured.
I hope this helps you.
2007-08-09 14:55:08 · answer #1 · answered by Sue 6 · 0⤊ 0⤋
Insurance goes with vehicles, not drivers. Unless you live at the same address as your uncle, you don't need to be named on the policy as an additional driver. If you are using his car occasionally with his permission, you are covered under his insurance assuming you have a valid license.
However, if I may make a suggestion, don't speed and test out the patience of New York's finest.
2007-08-09 04:13:47 · answer #2 · answered by oklatom 7 · 0⤊ 1⤋
If you are not named on his policy, you are an uninsured driver. If you get stopped, even at a checkpoint (Checking for DUI etc), you will be asked for your license, registration and proof of insurance. If you cannot prove you are insured, you may be told you cannot drive the vehicle from there. If your lucky, you will just get a ticket and need to go to court to prove you are insured (which you are not). Your Uncle could then be ticketed for allowing an uninsured driver to operate the car. This is what happens in Arkansas.
2007-08-09 04:21:38 · answer #3 · answered by sensible_man 7 · 0⤊ 1⤋
Check your uncle's insurance policy. It may say something about guest drivers. If it doesn't, then you will be cited and get a few hundred dollar fine, and the car may be impounded. But most insurance policies cover adult guest drivers provided they don't live at the same address.
2007-08-09 10:36:08 · answer #4 · answered by Anonymous · 0⤊ 0⤋
the owner of the motor vehicle helps and abetting the offence which includes an same penalty as easily committing the offence. the owner would desire to declare that he did now not grant diverse guy or woman permission to observe it, and diverse guy or woman would desire to then get charged with taking without the distributors consent, with the owner being enable off, yet because of the fact it variety of feels he grew to alter into into interior the motor vehicle on the time, it would desire to be complicated to declare he did now not grant permission. as at as quickly as as convicted, he would desire to prefer to allow his insurer be attentive to. His precise type could be going up for some years.
2016-10-19 10:31:51 · answer #5 · answered by ? 4 · 0⤊ 0⤋
if you are under 25 and not on insurance, you will be ok as long as you do not get in an accident
2007-08-09 04:12:06 · answer #6 · answered by fafwey 2 · 0⤊ 1⤋
Well my boyfriend got pulled over and didn't have car insurance, they impounded his truck and he got lots of fines.
2007-08-09 04:12:08 · answer #7 · answered by farmergyrl23 4 · 0⤊ 1⤋