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If you have an unrestriced license and you are 17 do you need to be on your parents' insurance in order to drive their car?
Yes because anything couuld happen Answer Assuming you are living in the same household as your parents the answer is yes. Insurance companies must charge an appropriate premium for the risk that they are assuming. There is most likely extra premium that needs to be paid since young drivers tend to have more accidents. An undisclosed operator in the household is a form of premium evasion and can be considered insurance fraud. This leads to increased premium for all drivers in state.
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Yes. Reason why you name should be listed in insurance policies of yourparents it's pretty standard rules for every insurance policies to say if avehicle is provided for your… regular use and you are not listed onthe policy then the insurance company can deny coverage of yourvehicle insurance companies have their own rules. They put every rules whatthey want by insurance for any vehicle Younger drivers are considered Higher risk, especially new drivers.If you want to drive your name should be listed with your parent'sname in the insurance policies you can driver the car with outhaving to pay the bigger insurance premium. The law does not careif you do that. However, the insurance company does and you risknot being covered in the event of an accident. This means both youand your parents turn out to be personally responsible for justabout all damage/injuries a person result in. Your very best self is usually to expect to have a career and alsopay out your folks to the elevated insurance plan high quality.They may list you on a policy.
If you are a minor in need of car insurance do you have to be under a parent or guardian's insurance plan to drive?
As long as you hold a valid drivers license, you usually can obtain motor vehicle insurance as long as meet the insurance companies underwriting requirements, such as no tick…es, no accidents, no suspensions, and do not ow any insurance company money. If you are young, usually the premium is high. The idea behind letting a minor enter in to a insurance contract is one of the few contracts a minor can enter in. Because if you have a license to drive, you need insurance.
Answer By Ohio Law, you are required to carry car insurance on a vehicle that is title in your name. In addition, to operate a vehicle in Ohio, you must be able …to show proof of financial responsibility. However, when you receive your license, they do not require you to furnish proof of insurance or other financial responsibility at that time.
Do you need to be added your parents auto insurance if you get your license but will not be driving alone you will be using your permit with your parents in the car?
Yes, because you will still be behind the wheel, it doesn't matter who else is in the car.
yes, the premium will be astrononic, and some insurance firms will not add children to the exsiting parents policy, they will only insure the teenager in their own right.
yes,right now in many countries, insurance is compulsory at all, because it may help you in many situtions, like any type accident, cover the cost damage car, if someone steal… your car, only a buy car is not important, the safety of a car is also important factor,so if person buy a car ,then he should take insurance,everybody knew that it take extra money for insurance ,it is not good for person't to pay .but at the end ,person get advantage of that insurance at some time,
I live in California i am 17 about to get my license. Car insurance for me is to much if i drive my parents car it has insurance am i covered even though i am not listed on their policy?
You cannot legally drive the car without having an insurance policy. Car insurance market is very competitive nowadays. So if you are ready to spend about half a day on c…omputer and telephone, finally you'll be able to find an appropriate rate. Here is what you suppose to do: 1. You should obtain multiple car insurance quotes online. Here are just some of these sites, I'm sure there are many more: http://www.autoinsurance.24by7info.com http://www.wisepages.com/money/insurance/index.html http://www.autoinsurance.wisepages.com 2. Even if you'll find some attractive rates online, do not rush to sing in. Keep these numbers in mind and call your local insurance broker. Describe your situation to him and wait for his numbers. 3. Compare all quotes you'll get online and from your broker and make your mind. However still do not rush to sing in. 4. You have to know that company, which is offering you a good rate is indeed a reputable company. www.AMbest is an independent rater of all insurance companies. If company, which is offering you good quotation is rated A or higher by AM best it is a good company. If it's rated below A, I'd think twice before signing with them.
No, not realy, if you have a car then you ned to get a insurance.
No, the unlicensed child is not covered under the parents policy unless that child is a scheduled driver on the parents policy.. It is illegal to operate a motor vehicle on p…ublic roads with out a drivers license. Most parents already know that.. It is also illegal to operate that vehicle on public roads without proof of financial responsibility.. Fortunately the Parents are insured for acts of negligence in allowing the unlicensed child to illegally operate the vehicle.. So basically the child is not a covered driver. Now the Insurance company will most likely pay a claim or loss if the unlicensed uninsured child has an accident. The claim would be paid not because the child was covered but rather the Insurer would be paying a negligence claim against the covered parents.
Can you give more detail? Are you asking if you need insurance to "register" your vehicle?
If a dependent has a license in PA but doesn't own a car or drive does his parents have to have insurance for him?
Sounds like you have a permit. If so your parents policy will cover you and you will need to added their policy when you get your drivers license. Some companies require for a…ll people in the household 14 or older to be listed. Contact your company for more details. As long as you don't live in the household, and you can borrow their car, their insurance policy will follow the vehicle.
Parental Liability In the United States Yes. Generally, the parent(s) or other legal guardian(s) is "financially liable" for the acts of their minor wards. It does not matter …if the liability arose from a situation of disobedience to the guardian or disobedience of law. But there are defenses against parental liability claims. Bear in mind that under permissive use rules in your states insurance regulations, the Vehicle Owner also is jointly and severally liable for the full cost of an accident in the owners vehicle. The owner of the vehicle has the first position of responsibility to ensure that permitted drivers are covered. Answer YES. They can look forward to giving all their assets to whomever their child injures. Bank accounts will be emptied. Their home will be taken and wages will be garnished until the injured party is fully compensated. That 17 year old has just thrown away everything that his/her parents have been working for! Look forward to moving into a homeless shelter.
If your teen is a Licensed Driver and a member of your household or a minor ward and you have failed to disclose (Concealed Drivers Fraud) by adding them to your insurance pol…icy, then she is not a covered driver under the terms and definitions of your auto insurance policy. However, Since parents are liable under the law for the acts of a minor child, Your insurance company may be required to pay for the accident as a negligence claim against the insured parent. If your insurer determines fraud on your part, they are not required to pay any claims arising out of fraud. In fact the law prohibits the insurance company from paying known fraud claims. Depending on the internal operating policies of your insurer, they may or may not cancel the policy if concealment and negligence are determined.
You may need two forms of identification, your drivers license being one of them. Check with your insurance agent.
No, the insurance is on the car, not the person.
Only if you intend to drive it. Whenever you drive a vehicle you take on an almost undetermined level of risk. The reason you have insurance is to handle this risk when you ar…e not financially able to handle it yourself. Whether or not your State or Territory requires you to legally have insurance in order to drive is up to your local regulations or laws. Even if you are not legally required to have insurance, unless you can comfortably take the cash out of your pocket to pay for the damage you do to the other persons vehicle, house, medical expenses, or loss of life then you need insurance. You never know how much damage you could cause in an accident in terms of financial loss to the other party or how many accidents you could have in a year. Even the wealthiest people are smart enough to purchase insurance and pass on this risk to an insurance company because in order to be wealthy the person is normally intelligent enough to know they need insurance.