If my brother has insurance on his car will i be able to drive in his car if he is in the vehicle with me?

Question

Im not sure if i have to get insurance aswell.

Answer 1

Probably not. You'll have to call the insurance company to add yourself as a named driver. Not necessarily a bad thing though. Depending on how old you are, adding additional drivers can sometimes bring down the cost of the insurance!!!

Answer 2

Actually car insurance has different policy and requirements (could be some guidelines or contract between the owner of the vehicle and the car insurance company).
1. this car is insured under the name of the owner, hence the driver is the owner. the owner could have this car insured with this kind of contract.
a. if accident occurs, the insurance company will pay the damage of the other party's car; things (house, buildings, factory, fence, & the like); and if a person got injured/died.
b. the insurance company will pay the damage of the owner's car (if this is included in his contract also as some would not prefer to be covered by themselves mishap as the payment would get higher, hence they would prefer the insurace to be covered only as i mentioned on letter a).
2. this car is insured for any drivers not below the specific age being chosen by the owner eg. if the owner is 30yrs old, and he chose any driver to drive not below 30yrs old. (if accidents occured by a driver below the age limit specified, the insurance company is not oblige to pay under the agreement.
3. this car is insured for a specific driver only, hence if accident occurs of this car not being drived by the person who is written in the insurance company policy, the insurance will hold no responsibility. eg. some disbled people can own a car for their private use but they need a person to drive, hence, the person who will be the driver of this car must also agree the insurance terms and policy. he have to submit his/her driver's license during the signing of the agreement (and this driver must be the sole driver only of the car).
<>this is our country's policy regarding car insurance. so basing the other's answer, i guess it depends on the location where you are and how the insurance is applied.

Answer 3

You can only legally drive his car if he is insured for any driver , or failing that if you are named on his policy
You could offer to pay the difference in premium , which will be quite substantial if you are a young inexperienced driver .
But on the positive side some insurance companies will now allow you to use this as part of your own no claims bonus when you take out your own policy.

Answer 4

You are ok to drive occasionally,(as long as the Ins co hasn't specified no drivers under your age) but if more than once in awhile, then you need to be listed as a driver. If you are involved in an accident and the insurance company investigates there could be a problem if you drive it very often.

Answer 5

It can vary. Your brother should contact his insurance and ASK if drivers not named on the insurance are covered by HIS policy. If not covered on HIS insurance, then you'd need to get insurance as well.

This does occur in some policies with some companies and insurance regulations vary from one state to another, so you have to ask the people who can give you the RIGHT answer... HIS insurance company!

Answer 6

Yes, you can drive the car: the insurance relates to the car, and the ownership of the car rests with your brother, registered owner of the car for all purposes of the insurance> You can drive the car with no adverse effect on the insurance, as long as you have a valid licence to drive!

Answer 7

Depends on who your insurance carrier is. I know that most insurance companies in the United States covers anyone that has permission to drive the car. I would call the insurance company and ask them. I know with Liberty Mutual my son is covered with his learners permit.

Answer 8

Typically insurance follows the vehicle, not the driver. It's a good chance you would be covered, but he would have to ask his insurance agent, because it's also possible you would not be covered.

Answer 9

It depends on the specifics of your brothers insurance policy. Have him call his insurance agent. Your age may play a factor in it as well. :)

Answer 10

IT VARIES FROM STATE TO STATE BUT YOUR BROTHER WILL HAVE TO CALL AND CHECK THIS OUT FOR HIMSELF, SOME INSURANCE COMPANIES REQUIRE THAT IF SOMEONE ELSE DRIVES THE VEHICLE THEY MUST BE ADDED TO THE POLICY.