just wondering. my mom has a trailblazer and my dad has a lumina. they already have full coverage. my question is do they have to add my the insurance or since i have my drivers lisence i can start driving. my mom said that im already insured because it already has full coverage is that true or does she have to add me or what???
2007-09-25 03:04:28 · 6 answers · asked by Tony G 2 in Cars & Transportation ➔ Insurance & Registration
I have seen many people on here say that you are automatically covered when your parents have full coverage, including insurance agents. This is not true of all companies. Call your insurance carrier and ask. It is a lot easier than finding out after an accident that you are not covered.
2007-09-25 03:09:35 · answer #1 · answered by sensible_man 7 · 2⤊ 0⤋
Auto insurance means that a policy is written on a car - not the person. You can be added as a driver to the cars, but you would be covered as a family member either way. Check with your local agent since a few states (TX, NY, etc) have different rules, but even then you would still be covered unless you took it without permission AND they reported it stolen AND pressed charges.
2007-09-25 10:15:40 · answer #2 · answered by lantern1701 6 · 2⤊ 0⤋
Take a look at the policy, most policy's will state, no drivers under a certain age, if theirs does, they will have to add you, and pay a premium for you.
2007-09-25 10:08:00 · answer #3 · answered by bgee2001ca 7 · 2⤊ 0⤋
all drivers in the household have to be separately insured. She needs to call the ins company and tell them you'll be driving the cars.
2007-09-25 10:07:16 · answer #4 · answered by LB 6 · 3⤊ 3⤋
No, they have to add you to their policy. If they dont and let you drive their car regularly then it is considered insurance fraud
2007-09-25 10:06:43 · answer #5 · answered by Kristi 5 · 2⤊ 5⤋
That's right
2007-09-25 10:07:54 · answer #6 · answered by Anonymous · 0⤊ 5⤋