If your wife had insurance on her car and gave you permission to drive it but the insurance did not cover you would you get a ticket for not having insurance if you got pulled over for speeding?
No proof of coverage Yes, You can be ticketed. If your name does not appear on the Insurance identification Card and you are pulled over you can certainly be ticketed as you are actually "Not Covered" on the policy. If you are a covered driver, then your name will appear as such on the insurance card. If you are not covered, then your name is not on the card at all or it will appear as an excluded driver. Although the Insurance Card may indicate coverage for the vehicle, it would not indicate coverage for you as you are not on the policy. Remember, Proof of financial responsibility is on the driver being pulled over, Under the law, The driver is required to be covered, not the vehicle. Answer From a Veteran Insurance Agent. Why aren't you listed on the policy along with your wife? As long as you are not specifically excluded you should be fine in an accident - however, the insurance company will re-examine her statements about other drivers in the house and may cancel her if she lied about you not living there. She should have an ID card in the glove box that you would give to the officer if you were pulled over. This prooves the vehicle is insured. So, no you would not get a ticket. You could, but most likely the insurance card that you will show will not list excluded drivers, so the officer will not know that you are covered. But if you get in an accident, you are in a world of hurt. If this is on british roads you the driver would get the speeding conviction either an sp30 or sp50 depending if it was on public road or motorway the driver would also get an IN10 for driving with no insurance and your wife would get IN14 for allowing use of her vehicle with the knowledge of the would be driver not having insurance thus failin to provide a duty of care to third party drivers if you have an IN10 or a IN14 most major insurance will refuse to offer to cover you for at least 3 years because your deemed a moral hazard I would suppose it depends on the state that you are in. The top answer at least in the state of Nevada is totally wrong. The insurance follows the Vehicle not the driver, now the first problem is that you as the husband are not on the insurance, for the most part and with all major carriers your spouse is automaticly covered as a named insured and you have all of the rights as the policyholder. Now that said if you are not on the policy because your driving record blows and you hid a material fact from the insurance company then there are bigger problems. It does not matter when you get pulled over if your name is on the insurance card or not if the card in the car matches the VIN of the vehicle that you are driving then you should not be given a ticket for no proof of insurance. If this was not true then there would be huge problems for companies like fed-ex or UPS or any other company with a fleet of vehicles. Do you think that your personal insurance would cover that vehicle? No so sorry there insurance veteran your theory is flawed. With all of the above said if you were not on the insurance because you were hiding yourself and got caught you should have still not gotten a ticket for no proof of insurance unless you were supposed to be carring a sr-22, if you were and did not have proof of that on you then yes here comes the fine. But if it is just for insurance then the cop should have taken the wifes policy as proof and left you alone.
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Answer . \nFirst of all AARP is not an insurance company. The Hartford insurance company is promoted by AARP. Usually the first line of coverage is with the policy that i…nsures the vehicle involved in the accident. If that coverage is not sufficient to cover then the policy insuring the driver of the borrowed car may be able to add extra coverage.
If you get a ticket and you are not covered in the insurance of the car you were driving does the insurance go up?
Answer . \nA no insurance ticket becomes part of your overall driving record and can and will be used to determine rates for any insurnce policy you have or want to have.
Only if the driver was responsible and only for his liability
Do you get points on your license for driving a car without insurance if you get pulled over and get a ticket?
Answer . Yes you can get points for this.
Who pays for the damages if your insurance does not cover the person you gave permission to drive your car?
Answer . Depends on which State in which you live. i.e. Florida, File a police report. The driver will then be required by law to purchase s "Named Non Ownership Policy". …But that will not help you with repairs. Seems you are S.O.L. unless you can get the person to make restitution. Go to Small Claims Court is a possibility!. Good Luck
Contact your local DMV or the Law enforcement department that issued you the citation. They will be happy to tell you the amount of the fines (penalty) you will need to pay an…d where you need to pay them.
The owner's insurance covers the car and usually whomever is driving it. Many people drive cars that belong to someone else. If you are a licensed driver, you'll be covered.
If you got pulled over and had no car insurance and got a ticket and have since purchased car insurance - take the proof to court - will you get put n jail?
You'll probably be banned from driving for a year and given a fine.
Provided that there are no exclusions in your friends policy, anybody driver their car with permission will be covered if they cause an accident. You are of course subject to …the coverages and limits on your friends policy. Ex, if your friend has just liability, the insurance company will only pay for damages you cause to the other party, not damage to the vehicle you were driving.
The ticket probably wasn't for no insurance, it was for no proof of insurance. Depending on your state, you should be able to just go to the county clerk (or just attend th…e court date on your ticket) show the judge proof of insurance.
Your personal 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 i…nvolved in a car accident while you are operating a vehicle that is -not- yours, then the insurance of that vehicle has to pay 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 show proof of insurance on the vehicle (not your insurance.) The law requires all vehicles to be insured, not individuals.
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.
The court will not care to be honest. I had forgot to renew my insurance when i was young. They will treat as the time you were driving. IF you do get insurance, you can say y…ou just forgot to update your insurance. Maybe they can go a little easy on you for that. But good luck. They will want to check the documents dated before the ticket, so dont say you had insurance because they will check paperwork and call insurance company to double check. Hope it helps.
What if someine is driving your car and they do not have their own insurance and they get a speeding ticket does your insurance go up?
Yes it could, you a s the owner o f the vehicle are fully responsible for the car and the person who is driving it.
Can your insurance cover a person who has your permission to drive but is not in insurance and has a accidents?
The best advice I can give you as an insurance agent is not to allow people who are not listed on your insurance policy to drive your vehicles, ever. This is not to say your c…ompany will not cover someone driving your vehicle with your permission but it will bring up questions. Insurance companies are very wary these days about unlisted drivers who have claims driving an insured vehicle. Your policy states that you must notify all residents of your household as well as any regular driver of any of your vehicles. I have seen several occasions where claims are denied because the insured did not comply with these requirements. This is not to say you can't lend a vehicle to a friend whose car will not start one morning. Just remember you are also loaning them your insurance and your insurance record. How many days makes them a regular driver? A child who lives at college is still a resident of your household. Be very careful jeopardizing your insurance record that you have worked to build up.
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Can you get a ticket for driving with no insurance if you are pulled over driving a borrowed car that is not insured even though your personal car is insured MN?
Absolutely. You are responsible for making sure the vehicle that you are driving is insured. It does not make any difference that you have other car insurance or even that the… owner of the vehicle has other insurance. If there is not insurance on the vehicle you are driving then you are guilty.
Will parents find out you were driving their car without their permission through a speeding ticket I have my own car under their insurance just didn't have permission for this particular car I'm 17?
Yes they will. It will show up on their insurance renewal declarations page down near where the drivers listing is located. It seems that you may not be listed on their insura…nce policy. This is against their policy and puts them into a position of lying to their insurance company. If you have an accident while driving their car under any circumstances whatsoever their insurance company will disallow the claim for material misrepresentation. They will then be sued by other party that you hit and be ruined. You better have a conversation with them about this.