I don't have insurance yet so would I be able to drive my mom's car with her in the passenger seat and still be covered under her insurance?
2007-11-03 09:26:08 · 13 answers · asked by dude202_sp 2 in Cars & Transportation ➔ Insurance & Registration
It is the car that is insured, not the driver. As long as you are not excluded by the policy, you are covered when you drive her car. However, her rates will increase precipitously when you get your license because new drivers tend to have more accidents. If you are a sober and careful driver, you will think it unfair, but there are enough bad drivers to make the insurance companies cautious.
2007-11-03 09:32:12 · answer #1 · answered by Computer Guy 7 · 0⤊ 2⤋
No, Dude... Every driver in this country must be covered, somehow. That's the law. Although, many are not.
Not all insurance companies will automatically put you on her car insurance.
Ask your mom to add you on to her auto insurance policy. Or to make sure it covers you.
If you are under 18, driving her car, even with her inside and had a car crash without insurance, the other person could sue your poor ma's butt off.
And her insurance company wouldn't pay a penny to help her if you were not covered by her policy.
Good luck, sweetie. I hope you can get some coverage soon.
2007-11-03 09:43:32 · answer #2 · answered by Anonymous · 0⤊ 0⤋
Have Mom call her insurance company to know for sure. Do not believe "the car is covered, not the driver" unless you have a large bank account.
2007-11-03 10:06:49 · answer #3 · answered by sensible_man 7 · 0⤊ 0⤋
With a learner's permit, probably. If you have an actual license, you need to actually be named on a policy to be sure you are covered. A lot of policies wont cover un named drivers under a certain age.
2007-11-03 12:31:16 · answer #4 · answered by Anonymous · 0⤊ 0⤋
regrettably there are various of aspects handed over that are significant before this question will be responded wisely. truly, it really relies upon. Are you listed as a driver on your moms coverage? What form of coverage does your mom have, complete insurance or criminal duty in easy words? changed into the approved driver over 25 as required (in some states)? those are lots of the data you would pick to contemplate.
2016-10-23 08:21:44 · answer #5 · answered by Anonymous · 0⤊ 0⤋
if you have a license then yes. the insurance follows the car not the person. you can drive anyones car and be covered under their insurance as long as you have permission to drive it.
2007-11-03 09:36:25 · answer #6 · answered by Queen B 6 · 0⤊ 3⤋
No. You have to have an insurance in order to drive. Do you have a Liscense? If you don't no way!
2007-11-05 10:00:15 · answer #7 · answered by ~~Webkinz~~StarDust8893~SnowSnow 4 · 0⤊ 0⤋
You would need to be listed as a part time driver on your mom's policy in order for coverage to be in effect.
2007-11-03 10:55:31 · answer #8 · answered by fisherwoman 6 · 0⤊ 0⤋
As long as there is not a provision in her policy prohibiting under 25 drivers then you should be ok.
2007-11-03 09:29:34 · answer #9 · answered by Mark G 4 · 0⤊ 1⤋
as long as there is insurance on the car. You have a DL i assume.
2007-11-03 09:29:46 · answer #10 · answered by SRT4/Busa Guy 2 · 0⤊ 1⤋