What if I drive someone elses car and obviously they wont have my name in their insurance. Is that legal? even if their insurance is not third party?
2007-08-31 11:54:10 · 10 answers · asked by dog_hell_red 5 in Cars & Transportation ➔ Insurance & Registration
Yes it should cover you, as most insurance covers the car not the driver. The reason that insurance is manditory is that most drivers will not have enough money to cover damages and injuries that they may cause to other drivers.
2007-08-31 12:01:35 · answer #1 · answered by Anonymous · 1⤊ 0⤋
You are legally allowed to borrow someone's car and drive it without your name on their insurance. If you live with the person however, you must have your name on the insurance to drive the car (at least as a secondary driver).
Having insurance is obviously a good idea. If you hit someone and it was your fault, they could sue you for however much it costed. (Imagine it was a Ferrari or something.. yikes!) You can have different kinds of insurance that will also help if there was a hit and run, or it was stolen, etc. Some people don't get that kind on old cars because the cost to replace the lost vehicle would be less than the extra amount on their insurance.
There's a lot more to it as well. It all has to do with liabilities and legalities.
2007-08-31 12:01:53 · answer #2 · answered by *coral* 3 · 0⤊ 0⤋
Car insurance became mandatory in the us and canada and other countries several years ago. It became mandatory to protect victims of accidents. Before it became mandatory, if someone got in an accident and the person at fault didn't have insurance...the victim was pretty much screwed...especially if the person at fault didn't have any type of funding for the victim to recover damages and medical expenses. I don't know about canada...but in the us as long as you are a licensed driver and have the owner's permission to drive the car you will be covered.
Hope this helps
2007-08-31 12:01:49 · answer #3 · answered by Kenneth S 5 · 1⤊ 0⤋
Most insurance will cover any driver who has permission to drive the car...as long as the coverage states that it does cover under such circumstances. You need insurance to drive b/c accidents happen and if you're not insured, it becomes costly for everyone involved. It's required all over the United States. At least that way you don't have to worry about someone totalling your car (and you) and not being able to cover it.
2007-08-31 11:58:26 · answer #4 · answered by blue guru 3 · 1⤊ 0⤋
(Toronto, Canada) Why is car insurance mandatory? And why do I need it to legaly drive?
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2014-06-28 04:47:03 · answer #5 · answered by Anonymous · 0⤊ 0⤋
(Toronto, Canada) Why is car insurance mandatory? And why do I need it to legaly drive?
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2014-07-14 07:01:43 · answer #6 · answered by Anonymous · 0⤊ 0⤋
A lot of insurance companies in the US allow a driver who is given permission the ability to drive a car.
Insurance is necessary for financial responsibility. Without it, there is no way that a victim of an automobile accident can get their car repaired with no out of pocket expense.
You get insurance to protect the other guy. Without it, you better be wealthy, because that is also financial responsibility. They just want to be sure you can pay for any damage that you may cause.
2007-09-04 04:28:51 · answer #7 · answered by Kathryn P 6 · 0⤊ 0⤋
You are covered when driving someone else's car by their insurance as long as you haven't stolen it. :-) If they give you permission, there is no problem.
As for the requirements of law, you are only required to have liability insurance to cover the other person. It is optional whether you cover yourself or not. If you have a nice car, you are better off getting collision and comprehensive coverage even if you feel you are a good driver.
Unfortunately, you have no guarantee the guy behind you isn't going to plow into you at the next light, etc.
My car isn't worth much, so I stick with the bare minimum required. :-)
There is more helpful info. at the link below.
2007-09-02 17:58:31 · answer #8 · answered by Anonymous · 0⤊ 0⤋
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RE: (Toronto, Canada) Why is car insurance mandatory? And why do I need it to legaly drive?
2014-06-25 15:29:56 · answer #9 · answered by Anonymous · 0⤊ 0⤋
It's not so much for your protection as other people's. If you have an accident and you're at fault, the insurance makes sure that you will have enough money to cover damages.
I know our auto insurance covers us when we drive a rental car. When my ex borrowed my parent's car, he was covered by their insurance. (And so, when he got in an accident, it would have made their insurance go up if we hadn't settled privately.)
2007-08-31 12:02:32 · answer #10 · answered by Anonymous · 0⤊ 0⤋