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Is it legal for a resident of the same household to drive an insured vehicle if they are not specifically covered under that policy?
Wiki User
∙ 18y ago
You can drive an insured vehicle if you're not on the policy because when the police pull you over they are looking to see if you have insurance on the car. But to answer the question...NO, it's not legal to drive the insured vehicle if your not on the policy. As always, check with your insurance agent, but anyone driving the auto with the policy owner's permission should be covered. However, ALL licensed drivers residing in the household are supposed to be listed on the policy.
Wiki User
∙ 18y ago
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Can a university student drive a parent's car if he is not insured on that car because he lives away for university and summer job?
If you are still a resident of the household then you will need to be listed. Some insurance companies offer a lower rate for "students away at school" and would be your best option. If you were a resident of your own household and had your own policy then you would usually be covered on any vehicle you borrowed.
Who is covered under homeowners insurance?
A "Named Insured" or "Insured" should defined by the policy and listed in the Definitions section of your policy. Generally it is the person listed on the declarations page, and permanent residenants of your household.
Can your son drive your ex's vehicle any time as long it is insured and be covered if he is in a wreck?
Is he rated on the policy or another in the household as a driver? He needs to be.
Is a sixteen year old covered on a policy if she is not listed?
Depends, do they have a drivers permit, if so, why not call the agent and have them put on the policy. If no permit, the policy wording is important, read it and see uner "insured" what it says, it may say any one who is a resident of your household, also, permission from the named insured is a factor. Best to get the person added to your policy and you won't have to worry about about it, worry about paying the increase in the premiun.
Does a homeowners' policy cover a daughter at college in an apartment?
Probably not-- she's in a "new home," get a new policy.-- Renter's Insurance is generally cheap and easy to come by. Dorms are different, however, and I'm not sure how they equate. The most common homeowner's policy is the standard HO-3. Under the section listing covered perils for contents, theft is listed. Regarding theft, it states the following, "Property of a student who is an "insured" is covered while at a residence away from home if the student has been there at any time during the 45 days immediately before the loss." For other covered perils, such as fire, there is no such limitation. The only question is whether or not the student qualifies as an "insured". To be an "insured", the student would need to be a resident of your household who is a relative. Therefore, if the student still spends some part of the year, such as the summer, in your household, they would qualify as an insured. If they stay at school year round, they might not qualify as an "insured". Using the above quote from the HO-3 form... if you want them to be insured... have them come home every 45 days.
What is The different between insurer and insured?
The insured is the person or entity who is covered by the insurance policy. The insurer is the entity (insurance company)that pays to, or on behalf, of the insured for a covered loss. That which is covered by the policy is set forth in the insurance policy.
What is the difference between insured and insurer?
The insured is the person or entity who is covered by the insurance policy. The insurer is the entity (insurance company)that pays to, or on behalf, of the insured for a covered loss. That which is covered by the policy is set forth in the insurance policy.
Is an uninsured driver that is driving an insured car covered if he gets in an accident?
Yes, he should be. Most insurance companies insure the CAR and ask how many and ages of the drivers in the household to determine a rate. If you didn't steal the car, and had permission of the owner you should be insured.
Can you Have A Registered car but have someone else on the insurance?
Only your insurance company can answer that - mine does... I have insured vehicles that were not in my name and insured vehicles in my name for other drivers - Geico... I have also loaned vehicles that were in collisions and they still covered them even though I did not specifically "add a driver".
Can I drive my parent's car if they are in the car when I am not insured but they are?
Everyone in your household must be listed on your insurance policy if they have a license. For example, if you live with your parents, you may not be covered if you are not listed on their insurance policy. On the other hand, if you live separately you could use their car with their permission and be covered.
If your daughter who lives with you is licensed and uses your insured car and gets into an accident will she be insured in PhiladelphiaPa?
Yes if she is not specifically excluded from the policy (you would have had to complete a form akin to the 'named driver exclusion'). The insurance follows the vehicle and anyone driving it with your permission, as long as they are not excluded, is covered.
Does your insurance cover property damage from the tenant?
No. Damage done by a tenant is specifically excluded on a dwelling policy. Tenants are considered insureds under the policy and damage done by an insured is not covered.
