What would you like to do?
Answer Yes, but that shouldn't be needed. You can occasionally drive a friends car and be covered under their policy without being listed as a driver. If you are a regu…lar driver of your friends car then see about being added as a driver to your friends auto policy. I have a question about that answer. Does the driver need to have his own insurance policy? if he drives his friends vehicle maybe once or twice a month? .... In the UK: Yes, you can. Also: Using the car owners policy to drive the car is often allowed, as is the option to use your own insurance on another car as insurance often includes "borrowing a car with the owners permission" and "lending it to someone" . However the insurance is often only "3rd party." so if you crash the car, the car it's self is not covered, and you must either fix the car at your cost, or lose a friend. YOur best bet is to either speak to your insurance company, or get the car owner to speak to their company, and sort it out properly.
Answer Probably, some companies only require that you have care custody and control of the vehicle in order to be the named insured. Other companies require that… you be the registered owner. The problem that arises is that the finance company usually wants to have the evidence of insurance be in the name of the person responsible for the loan. If you are the named insured but not the name on the loan then the loan company may require that the person on the loan also be on the insurance policy as a named insured. The best way to do this is to have the person that owns the car get the insurance and list you the driver as the principle operator.
Answer that depends on their insurance policy
Answer The laws could vary by state. Usually, if you are in an accident or stopped by law enforcement, they are looking to see if the car has insurance. …You can be cited and have to go to court. But all likelyhood, the states attorney may just go after the driver.
Answer Is the CAR insured? If not, it's not legal.
The primarily liable party is the Operator of the vehicle at the time of the accident. An owner may in some cases be held liable in a secondary position. It is the vehicle… operators responsibility to ensure that appropriate financial responsibility is in place prior to operating a vehicle on public roads.
The car is insured not the driver however many policies have restrictions as to who may drive the insured vehicle.
In Mass. can you get a ticket for driving someone else's car with an expired inspection sticker?
If your state requires that a vehicle be insured before operating it, the responsibility of knowing whether it is insured or not falls upon the actual operator of the ve…hicle, regardless of who owns it.
Check your insurance document. In the UK, most insurance contracts allow you to drive another car with the owner's permission, but the insurance is only for Third Party, i.e. …you are covered for damage to anything or anyone you hit, but you are not covered for damage to the car itself. Check, check,check! Also check that the car has road tax paid and any MOT or roadworthiness documents neccessary, otherwise it will not be insured and you will really be in deep trouble. In the US, your coverage offers you the needed liability protection in most instances and depends on the language in the policy. However this offers nothing for comprehensive (fire & theft) and collision.
Your friend may sue you, and tell you to pay the wrecking bill, or they'll forgive you and they'll pay it. But the wreck will go under your name, and charged against you…. I hope that helps!
Accidents in Someone Else's car? Primary Legal and Financial Liability for an automobile accident is always with the driver of the vehicle at fault, The vehicle owner can also… be held financially liable as they enabled the usage. So in most cases the vehicle owners policy will invoke. This is why many people mistakenly assume that the coverage followed the car. Contrary to popular belief, Auto liability Insurance does "not" automatically follow a car. Cars don't drive themselves. It follows the defined insureds legal liabilities which may arise out of vehicle ownership or operation. This may or may not extend to another driver. Liability follows the named Insureds while property coverage follows the vehicle. "Coverage from the Owners Policy not withstanding" The Law requires that All Operators of a Motor Vehicle on public roads carry proof of financial responsibility at all times irrespective of ownership. Their is no exception when it's not your car. Depending on the owners Auto Insurance Policy Form selected, coverage may or may not extend to other drivers. A standard Form Auto Insurance Policy will typically extend coverage for permitted drivers not engaged in a crime. A "Limited Policy" a "Non Owners Policy" or a "Named Driver Policy" while more economic in some cases will not extend coverage at all to any other permitted drivers. Consult with your Insurance Agent for appropriate coverage. Don't make broad assumptions about your financial responsibilities. You should always verify coverage before driving an unowned vehicle or make sure your own policy follows you as a named insured driver to a replacement or loaner vehicle. Insurance regulations vary by state regulation so it's always best to talk to an agent in your area. A local agent will be most familiar with your state regulations.
Their insurance would be primary and your insurance would be considered secondary when filing a claim.
In Car Rentals
If you are not an authorized driver on the rental contract, the person who rented the car (whose name is on the contract) is liable for the damages. You might want to find a p…lace to hide because that person will be looking for you to deliver a fresh can of whoop-ass afterward.
Is my little brother who is covered under my policy still covered by my policy while driving someone else's car?
If you are asking about the automobile insurance policy, it depends on the specific policy. Most policies include protection when driving another vehicle as long as it is …with permission of the owner.
You are the one legally in the care, custody, and control of the vehicle and therefore are the one who will be cited for driving without insurance. This is just the beginning …of your trouble though. If you were at fault, you are also responsible for the damages done in the accident which may include injuries and damages to the vehicle you hit.