What happens to the insurance premiums when a person receives a speeding ticket while driving his parent's car if he is not on the parent's insurance?

Answer 1

Insurance companies insure people not vehicles. Many people could drive one car and each get a ticket but only the insured can get a ticket that affects his insurance. However if an accidect occurs with anyone but the insured at the wheel no payment will be made by the insurance company to repair the car or for injuries to other drivers or their cars, on top of that the injured party can sue the driver of the car as well as the owner of the car for their damages. You should have gotten a ticket as an uninsured motorist as well if you are in a compulsory insurance state. You need to ask your agent, but in most cases this should not affect the parent's premiums, if the driver is an adult and no longer living in the parent's household. The traffic violation will be charged to the driver, not the vehicle. If the driver has the owner's permission, in the event of an accident, the owner's insurance would be responsible and if the driver has an insured vehicle, a claim may also be filed with his company and the two insurers will then decide which has primary responsibility. If the driver IS a member of the parent's household but not listed on the policy, the parent's insurance may try to deny the claim, but they will probably pay and then drop or refuse to renew the policy.