motor vehicle insurance

Are you insured to drive your sons lease car?

Are you insured to drive your sons lease car?That depends on his insurer and the policy he holds. He would need to contact his insurance company for a definitive reaction to this question.

If your son had an parking lot accident while driving your car without insurance are you liable?

More than likely you both can be held liable. Since you both were aware the car was uninsured. Depending on the laws of your state you may end up with fines and penalties also. It also depends whether your son was driving the car with your permission and whether your son is a minor. (Yeses make you more liable, noes less so.)

Can your 17 year old son buy car insurance you are his father and disabled and does not drive?

Response .
Yes, you should have no problem getting a vehicle insured for your son. Presumably Dad possesses the car but the son is the primary driver and Dad doesn’t drive. This is not an uncommon situation.

Will your insurance rate be lower if you lease your car vs your company leasing it?

Reaction .
1st question, is it your company or one you work for?.
If your company leases it, it will no longer be a private auto policy so yes, the rates are different. Call your agent to find the reaction.

If your insurance will not cover your son during the 6 months he is driving with a learner’s permit what happens if he is involved in a car accident while driving with an adult?

Response .
Your auto insurance will cover your son while on a lerners permit. Check with your company as some require that he be listed as a driver and you must pay premium while others do not require that he be listed until he gets his regular license. If you insurance is telling you that there is no coverage while he is on the permit then you need a different insurance company.

How can you get insured to drive any car?

You need to check with your current insurance carrier. In my case I am insured thru Farmers, and with them as long as you carry utter coverage on the equipment you own and drive that same coverage will be with you in any equipment you drive except commercial equipments.

Can any insured driver drive someone else’s insured leased car?

Reaction .
You are covered if you are a licensed driver regardless what they say..
A leased vehicle is possessed by the leasing agency not by the person who is leasing it..
The terms of the contract will designate who may or may not drive the vehicle and nothing else applies.

Can you drive an insured car if you have no insurance?

Driving another persons insured CarIt is always best to ask the possessor loaning you the vehicle if you will be covered under his policy. If he is not sure then he should contact his Insurer and verify before you drive. It never hurts to have your own operators or non owners policy in place for extra security if your an occasional driver without a car right now. Each US state regulates it’s own insurance needs through it’s state legislature. Insurance for a loaner would depend on the type of Policy that the Vehicle possessor presently has in place as required in that state. It could also depend on the nature of the vehicle loaned or hired. If the Possessor has a Limited Liability or a Named Driver Policy then no other drivers may be covered even with permissive use. If the proprietor has purchased a Broad Form Auto Insurance Policy then generally permitted drivers are covered. It is a common misnomer that Auto Liability goes after a vehicle. In Fact, Auto Liability Insurance covers and goes after the named insured(s) (usually the vehicle proprietor) and the named insureds legal liability that may arise out vehicle ownership and operation. Most liability coverage will even go after the defined insured to a replacement vehicle, When on a standard form auto insurance policy, liability coverage is afforded even when tertiary or third party through an accident of a permitted driver. This point of concept of vicarious legal liability of a property possessor and the contracted liability of the Specific Policy Form suggested by an Insurance Company is where the misunderstanding arises. Limited lines Policies however economic can leave gaps in coverage so it’s best that all drivers even non owners carry financial responsibility. The Concept definitions of Legal Liability of the proprietor of a property and the Financial Responsibility of all vehicle operators on public roads is determined further in the US by the regulations of the individual state of registration. ReactionAccording to law if the holder of the vehicle has insurance on the vehicle, and “loans” you the car, and you are listed as an occasional driver of that vehicle, then you are covered. Otherwise, you will have to purchase your own policy. Dependent DriversBe careful. The reaction to your question varies from state to state and you need tocheck the laws in your state. In the state where I live, an under 25 driver who lives with you must be insured on your policy to drive your car and it’s very expensive. Insurance coverage is different if someone who does not live with you uses the carfor your convenience . It can get very complicated. Insurance companies are doing more and more to mitigate rising costs of repairs, medical treatment and their liability.

Can your son drive your car if it is only registered and insured in your name in Arizona?

Yes. Insurance goes after the car not the operator. If your son has insurance, you and your vehicles’ insurance would be primary (if he were operating your vehicle), and his would be excess if your coverage is weary.

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Do you have to have your driving record to get car insurance?

No, they will ask you questions about your driving record, but they can get your record from the state you are applying in.

Can you drive an insured car without insurance?

If you are “Uninsured”, then you are “uninsured. You may or may not be an insured driver on the vehicle owners policy. Just because someone else has coverage for that vehicle does not automatically mean you are a covered driver. The insured should contact the insurance company or the insurance agent to determine the status of an unscheduled driver. Some auto insurance policies will cover the occasional driver while other policies will not. All drivers of a motor vehicle on public roads are required to carry proof of financial responsibility at all times.

If you lease a car can your 16 year old son drive it?

If you own the car or are leasing it, then he can- but you’d wantto make sure he has insurance of his own. If you are renting thecar, then he cannot. They must be 21 and on the contract as anapproved driver, which may incur extra fees.

My son wields a car that is not insured. can I purchace liability insurance for that car and drive it legal?

In most states insuring a family members vehicle is acceptable. Ifit is not in your state then the vehicle can be insured in the sonsname with you as an extra driver.

Are you insured to drive your sons lease car?

When leasing a car is the annual insurance included in the lease cost of the car.?

No, insurance is always the burdern of the car possessor, not the dealership. When leasing or purchasing a car, the person acquiring the vehicle is legally responsible for acquiring car insurance.

Does my teenage son who does not drive my car have to be insured on my car?

If he ever drives it he legally has to be insured..
If he never sets foot behind the wheel, he does not.

Can you get insurance to drive your bf’s car?

Good question. My guess would be yes, you can be added as an occasional driver on your BF’s car. I would also guess that if you have a worst driving record then your BF, they will charge the premium based on your driving record and not his.

Do you have to have insurance if your not driving your car?

You should either keep comprehensive coverage on the vehicle (fire/theft), or suspend the policy while not driving the car. It is becoming increasingly difficulty to insure vehicles that you cannot prove were not being driven uninsured.

Can anybody drive your car if it is insured?

In a way, yes. But, in order for you to not be held liable for anything happening to that person if they were to get into a car accident, they must be on your Insurance Policy. In other words, look at your Proof of Insurance card that you are given for the car. It should have names on it below the wordDrivers: If you do not see the person of whom is in question, then they are not on your insurance policy. I think the only time there will be no names would be if the car is a company car, in which case anyone could certainly drive the car.

If a son who was on car insurance policy now lives somewhere else but drives 2nd vehicle what is best way to treat insurance?

The response lies in the titleholder of the vehicle. If you are still the titleholder, then you will need to have the car under your policy and have him listed as a driver. If he is the titleholder, he will need to insurance the car under his policy. If that vehicle injure someone or cause harm to someone’s property, the other party will sue the titleholder. If you are both titleholder, then I would suggest you sign the titleholder to him.

Does the primary lease holder on a car lease have any liability if the car is in an accident if the car is registered and insured by the co-signers of the lease who is not the primary?

If others who are co-signed on the car are in an accident, and cannot afford to pay and charges or fees as a result of that accident, then yes, as a co-signer the primary lease holder will be liable for those oustanding payments.

If your Father diesmother cannot drive should you call insurance co with two yrs left on car lease without providing up lease?

You may have a contractual oblogation to notify the car leasing company if the lease was in your father’s name.

If you have no car insurance can you drive a car?

If you have a valid drivers license and permission to drive the car, then yes, you can drive the car as long as the proprietor of the car has insurance on it. Unless the person is part of the household and has been deemed a non-covered driver by the car possessor’s insurance company. Let’s say father has insurance on car. Son live’s in house, however has been revoked or has a horrible driving record. Son has permission by father to go to store. Gets in a wreck, doing injury and insurance company had son named as not a covered driver. No coverage then.

You were in an accident your car is a lease and it was your fault and you have no insurance what is going to happen?

You are going to have to pay all cost out of pocket. Also you may be given a severe ticket for driving without insurance.

Can you drive a car that has no insurance?

Of course you can but it is illegal to do so. Every state has a minimum amount of insurance you must carry on any vehicle you drive.

If your Nineteen year old son lives with you and does not have a license and does not drive your car do you have to put him on your car insurance?

Insurance companies may collect information on all individuals living in your home but the rates will reflect drivers only. Further, most insurance companies will require all licensed drivers in the household be listed as a driver.

Will someone driving your car be insured?

it depends if you have insurance that covers all drivers in the family or all and any drivers.

Are you insured to drive your sons lease car?

Can a son drive parents car?

Yes, if you have their permission, are a licensed or permitted driver, and are covered by insurance and the vehicle is decently licensed and working.

If you have insurance can you drive any car?

Depends on your insurance contract, look at the petite print. Some contracts permit you to drive other cars with the owners permission, but, in the UK, give ‘Third Party Only Insurance’, meaning that if you have an accident, the insurance covers the car you have bashed, but not the car you are driving. So check your policy cautiously.

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Does your insurance cover you to drive a car that has no insurance?

Your private auto insurance will be secondary to the insurance of the vehicle that you are driving (assuming you do not own it and it is not a business vehicle). If you get involved in a car accident while you are operating a vehicle that is -not- yours, then the insurance of that vehicle has to pay very first, and if that insurance is not enough (or is not there) then your insurance will kick in. Notice that if you get pulled over by police they will ask you to demonstrate proof of insurance on the vehicle (not your insurance.) The law requires all vehicles to be insured, not individuals.

Can you drive a car that is not insured but you have insurance?

No. Generally, your policy covers you and your own car. It is illegal to drive an uninsured vehicle in almost every state. If there is an accident, there will be no coverage, the car will be impounded and you will be arrested. However, insurance laws vary from state to state. You should speak with an agent who does business in your state.

Can a son that has no insurance drives parents car?

If your parents put your name on their car insurance, that is you as a named drived you will be able to drive their car. This is often a cheaper way of insuring you to drive a car than having you as the person that takes out the car insurance. You will not be covered to drive other cars however. Their are some insurance companies now aimed at insuring youthful drivers which is something that you could look into.

Can someone else buy insurance for a lease car?

Yes but you would need to have the lessor and the lessee as extra insureds on the policy.

Can son be put on your insurance if he wields the car?

Yes, Not only can he be put on the policy with his car but your Insurance Contract most likely requires it. Concealment of a known operator or the proprietor from the Insurance company is a well known form of Insurance Fraud.

Can I drop my adult son from my insurance if he doesn’t drive my car?

As long as he will not drive the car or have any other need for you to insure him, yes drop him.

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Can I drop my adult son who lives at home from my insurance if he doesnt drive my car?

Depends if you live in a “no fault” state. Here in NYS ther is no such thing as an “excluded driver” other than for a busboy that might climb into your car to get suitcases or a similar situation in which in th ecourse of business someone may have access to your car.I googled NYS insurance regulations and laws as I read so many posts that said otherwise.The only wasy to exclude him is to have him get his own insurance and report that to your insurance co. Suggest you google your state’s insurance web site. Now here in NY, an adult son does not need to be listed as a driver on the policy , but must be listed as a member of your household, so th einsurance co. can jack up your rates based on his driving record.

Is it legal to drive a car that is not insured on your insurance?

It is illegal to drive a car that is not insured for at least third party cover (i.e. if you hit someone then they – but not you – will get paid out). Therefore if the car is not covered on an insurance policy that YOU have then to drive it you would need to be covered on someone else’s insurance. Some people hold insurance policies that permit anyone (with permission from the proprietor) with a valid license to drive the car and in this case you would b covered on this policy – many company cars have this sort of policy. It is you DUTY to make sure that you/the car has as covering policy before you drive it and that you can PRODUCE this policy for the police should they require you to do so.

Your son was driving his friends car with permission and got into an accident – does he have to pay top fix the car himself or does insurance cover this.?

That depends on the insurance that you and the friend have. Your insurance may cover your son in any vehicle. Same as with the friends insurance covering any driver. You just have to call and ask.

How can you insure a car you own so your son can drive it you have a suspended license?

Generally, I would say this is most likely not possible. Vehicle insurance policies actually financially protect the vehicle Holder(s) not the ‘driver.’ Of course, an proprietor’s insurance covers someone that the proprietor(s) have permitted to use the vehicle. However, as you are the proprietor and have a suspended license, it is unlikely that any carrier will issue a policy to you.

Are you insured to drive your sons lease car?

Can you drive a car that is not insured but you have insurance in the UK?

In the UK you must have insurance that covers you to drive the carin question.

Can you drive car without insurance?

Yes, if you have a drivers learners/ permit you do not need to be on insurance in Georgia, Tennessee, Alabama, Florida, South Carolina, And North Carolina. But, you need to be driving with a 21+ year old in the passenger seat.

Are you insured to drive other cars which are not insured?

You should dual check with your insurance company to see how your policy is written, but usually your insurance would kick in as secondary coverage and you would be covered.

What is gap insurance for a leased car?

GAP coverage is very necessary especially in a lease situation. GAP coverage comes into play if a vehicle is deemed totaled. What GAP does is to pay for the difference in the actual cash value that is payable under the normal policy and the balance owed to the lease company or finance company of a loan. In the early years of a lease or loan the vehicle value falls quicker that the value of the vehicle. If you total the vehicle within this period you can find yourself without a vehicle but with a sizable amount of money due on a vehicle you cannot drive any more. GAP coverage will pay this difference. The Finance Dept of the auto dealership will attempt to sell you on this GAP insurance. Very first, no matter what they say, it is not mandatory to but it from them. Individual Auto insurance companies suggest GAP insurance that does the same thing for about 10% of the premium the dealership charges you for the same coverage. You will also have a right to cancel the coverage whenever you feel the value and loan balance have equaled out. One catch is that you must purchase the GAP coverage from you insurer withing 6 months of purchasing the vehicle. As a matter of utter disclosure, I own and operate a petite Independent Insurance Company in Central Georgia and have for the past 22 years. Prior to that I worked as an agent for a direct writer of insurance for Three years.

Is your beau insured driving your car?

You need to add him to your insurance or he must have his own. Your bf is not automatically insured.

Do you need insurance to drive sons car?

Yes. The vehicle must be insured. This is not to say that you have to carry a separate policy. As long as your son have coverage you can be added as a driver on his policy and it most likely will not cost anything to add you as long as you have a clean driving record. The policy must be in name of the person who possesses the vehicle. This is very significant. Insurance laws vary from state to state so you want to verify that no extra requirements exist in your state.

Can you get a policy of car insurance to drive your sons car?

The holder of the vehicle must have the insurance in their name. You cannot legally insure something that you do not own. You can be listed as a driver on the policy and therefore can drive the car with no problem. You never want to insure something that you do not own because any benefits cannot be paid to you because you don’t own the vehicle and they cannot pay the holder because he doesn’t have a contract with the insurance company. I have, under special circumstances made exceptions with permission from the insurance company. If you son was in Iraq for military service for example, I have gotten the insurance company to permit the son to give the father power of attorney over the vehicle by signed and notarized documents. The policy is still written in the son’s name as it should be but it permits the father to sign the insurance application and treat the insurance.

Do you have to get CAR insurance for my son if you have Trio cars?

You need to carry auto insurance with liability coverage on any car operating on the road. To add your son he will need to be the primary driver on one of the cars and secondary on the others. This would keep you covered if he wrecked his primary car, or any of your other cars.

Can you drive an insured car if you have no insurance in Canada?

I think I understand your question. Most U.S insurance policies provide coverage when you drive the vehicle to Canada. On the other arm all insurance stops at the Mexican border. Read you own policy to make sure or call the agent and ask them. I am talking about for a visit or vacation not moving to Canada.

Can you drive a car with no insurance under your insurance?

No. your car insurance is for your vehicle, not others. They will have to have insurance else it should not be taken out on the roads.

Can you lease a car in your name and have your Eighteen year old son drive it?

Well, yes, but: If you truly mean “lease”, then yes, if there’s nothing in the lease contract that specifically prohibits it. If by “lease” you mean a short-term deal (what would usually be called “renting”) from a place like Avis or Hertz, then no; only those people specifically listed on the contract as authorized drivers are permitted to drive it. Note that the care doesn’t have a sensor and will still physically work no matter who’s driving it, but if there’s an accident, you’ll be on the hook for the replacement value of the car… any insurance you get through the car rental company applies only if the authorized driver was driving at the time.

Do you need to switch your car insurance if you have a teenage son that does not live with you but does visit and drive the car on occasion?

Absolutely. Your policy states that you will notify the insurance company of any and all household members and all regular or occasional drivers. You will need to provide the company with their name, address, drivers license number, date of birth, and any other information they may ask for. It is very significant that this is done as soon as possible so that you do not endanger your own insurance coverage.

Can you drive your friends leased car on your fully comp insurance?

ABSOLUTELY NOT. You cannot insure a vehicle that you do not own on your insurance policy no matter what kind of coverage you have. Your insurance policy will not pay anything even if you have added the vehicle on your policy without their skill.

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