My parents say that since I don't have insurance...it's not ok for me to drive their cars by myself (even though their cars are fully insured and they themselves have insurance) are they just being overprotective and overexaggerating? Is there an ACTUAL law stating that uninsured teen drivers can't drive a car at all until they get insurance?
2007-08-09 15:55:35 · 29 answers · asked by sgp4rk 2 in Cars & Transportation ➔ Insurance & Registration
Your parents are right. Just b/c you have your license doesn't mean 1) they have to let you drive their cars and 2) give you free reign to do so. They're still your parents, and it's still their property. Is there a law? Not exactly....it's called permissive use and if you don't have it, you're in big trouble.
2007-08-09 17:03:50 · answer #1 · answered by bundysmom 6 · 1⤊ 1⤋
It's their house and their cars and you are also THEIRS until you are an adult. So regardless of what the law says, it's their rules.
Now to give you an idea of what driving and insurance is really about, a youthful driver is VERY expensive to insure. If you were not living in the house and did not have access and control of their vehicles, you could drive the car occasionally as a permissive driver. As long as you live with them (share the same address as the car's garaging address), they must have you insured on their cars for you to drive and pay the higher premium. If they do not, their insurance company has the right not to pay a claim where you are at fault. You could also receive a ticket (technically) for driving without insurance. This, of course, all depends on your state but most states are the same in this regard. You can also get an insurance policy as a non-owner driver (a driver without a car). Good luck finding a company, but there are some out there. Insurance on your own will be even more expensive since most companies use credit rating which you have none.
In your defense, though, their insurance may go up anyway without putting you on the policy. The insurance campanies can find out how many licensed drivers (and their ages) are in a household. They want to cover their assets. They will raise the rates anyway unless your parents specifically exclude you from the policy.
You could always get an old tank of a car and add it (and yourself) to your parents policy. Then pay them the difference in auto insurance out of your pocket.
2007-08-09 20:52:56 · answer #2 · answered by thefowlkes 2 · 0⤊ 0⤋
The insurance covers the driver, not the car.
So for every car you drive you need to be covered by insurance for that particular car.
Your parents would have the option of putting you on their insurance which is much cheaper but there are limits. The main driver in who's name the insurance is in must be the person that drives the car the most. Also, in the majority of cases, you will not get any no-claims bonus. Which means as long as you dont make any claims then it gets much cheaper over time.
The law says that ALL drivers need to be covered by insurance to drive legally. So no, your parents are absolutely correct.
I would ask them if they would put you on their insurance. You could pay the difference in the costs. Should be a few hundred pounds.
2007-08-09 21:51:14 · answer #3 · answered by futuretopgun101 5 · 0⤊ 0⤋
Why would the law be any different for a young inexperienced driver such as yourself than for someone with 50 years driving experience?
If you don't have insurance or are not named on an insurance policy to drive a vehicle, if you drive it, you're driving it uninsured. This is an offence under the Road Traffic Act and will result in an IN10 conviction, points, a hefty fine and (in the event of a new licence-holder <6 months), possible immediate disqualification.
2007-08-10 03:49:13 · answer #4 · answered by Micky Fees 3 · 0⤊ 0⤋
They are absolutely right. Even though they have insurance, you are not listed as a driver, for which they would have to pay additional premiums.
It is against the law in all 50 states for anyone, regardless of age, to drive without insurance. If you were to get into an accident, it could ruin your parents financially.
2007-08-09 17:32:20 · answer #5 · answered by Anonymous · 0⤊ 0⤋
There is an ACTUAL law for everyone, not just teens that says you must be insured to drive. In your case, should you get caught driving without it, you would probably lose your license until you turn 21. Your parents may not be able to afford to put you on their policy. Teen drivers are not cheap. Then too, have you shown that you are a resposible person in other matters? If not, that could be the reason.
2007-08-09 16:16:13 · answer #6 · answered by sensible_man 7 · 1⤊ 0⤋
Yes, they are right. There is no law stating exactly that, but there is a law saying no one can drive without insurance, teen or not. Most car insurance policies cover guest drivers, but only adults. So in order to get you covered on their cars, they would have to add you to their policy and pay extra, which they apparently don't want to do.
2007-08-09 20:45:08 · answer #7 · answered by Anonymous · 1⤊ 0⤋
Yeah they're right. The car is only insured for your parents. They would need to add you to the policy. If you were to get in an accident insurance wouldn't pay because your not listed as a drive for your parents car in the insurance policy.
2007-08-09 16:04:35 · answer #8 · answered by Pat 4 · 0⤊ 0⤋
Wash and vacuum your parents car for a couple of weeks. Save up enough to put 20% down, offer to pay for part of the increased insurance putting you on the policy will incur, and that you still have enough to put gas in the tank. Owning a car is a costly responsibility. AFTER you do all these things ask your dad to show you how to drive so you can get your license.
2016-04-01 08:48:00 · answer #9 · answered by Anonymous · 0⤊ 0⤋
UK They are right. In any event it is not your car but theirs so they can decide if they are prepared to pay extra on insurance or not. You do not say if you have a full or provisional licence. If a provisional you need to have a qualified driver with you. try the Road Traffic Acts and Statutory Instruments. don't try to be a smart ars- . You obviously do not read the newspapers, because if you did you would not be asking this question.
Frankly with you attitude I think you r parents are wise not to let you have the car, you are an accident trying to find somewhere to happen
2007-08-10 07:00:40 · answer #10 · answered by Scouse 7 · 0⤊ 0⤋
You have to get a job and pay the extra to have them add you to their insurance. Boys cost more than girls, and the insurance company also wants to see your grades...typically better students are less of a risk...more responsible. You could also get a job and buy your own car and insurance, gas, upkeep. If your parents are OK with you just paying for the difference on their insurance it would be cheaper for you and you could save more money for a decent car.
2007-08-09 16:13:01 · answer #11 · answered by Ryan's mom 7 · 0⤊ 0⤋