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If your children are listed scheduled drivers on your insurance policy then they are covered. If they are not a scheduled driver then maybe they are and maybe they are not. It depends on the circumstances.
For example. If your children are grown and do not live with you and only drive your vehicle on an occasion when they might come to visit you, then they would be covered under permissive use rules on a standard auto policy form.
If your children are household residents then they must be scheduled on your policy to be a covered driver. The Insurance company can deny all claims from the injured parties and offer no coverage for the vehicle being driven as well.
Check your policy type. If you purchased one of the cheaper limited policies or a named driver policy, then there is no coverage for other drivers regardless of who they are or any permissions that were given.
Failure to add a known driver to your policy is considered Insurance Fraud by concealment and could subject the insured to cancellation, non renewal and can void all coverage under your policy.
Basically any one who has regular access to your vehicle and is not scheduled under the policy is an uninsured driver.
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∙ 12y ago
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Can you drive a car that has insurance but not under your name?
If you're liscensed, and have permission from the person under which the car is insured, you are able to drive the car if it is insured even if you yourself are not insured
How do you get car insurance with a learners permit?
You must either have a driver's license or be insured under a licensed driver's insurance. If you are a minor, your parents can add you to their car insurance.
How can you find out if your car is insured?
Your car is not insured unless you purchase insurance for it.
Is car insurance still valid when the insured dies?
Is car insurance still valid on a persons car if the insured person has died
Can insured person drive an uninsured car?
We need to know what he's insured for. If he's insured to drive the car, then yes. If he's insured with life insurance, then no. But normally it's the car that carries the insurance.
Can an auto insurance co refuse to pay for my car and injury when their insured was at fault just because my registered car was insured under my friends name and not mine in the state of California?
Yes here the car insurance firm can refuse your insurance claim as the car is registered in your friends name and not yours.
Owner of car says car is insured and you are covered-you crash-it turns out the car is not insured-your insurance covers other party but not the car you were driving. Who pays for damages to car?
The person that lied to you about the insurance would have to pay for it. you could even take them to court. If they lied about the insurance on your car, they could be arrested under a small amount.
Is it legal to drive without insurance in florida if the car your driving is insured?
If the car you are driving is insured then you are not driving without insurance.
Can you drive your dad's fully comprehensive insured car with his permission?
It depends how old are you and whether or not you are an insured driver under the terms of the terms of your Dad's insurance policy. Your Dad's insurance agent can tell you if you are insured to drive the vehicle.
Can you drive a car if you don't have insurance but the car does you have a License?
All drivers are required by law to carry proof of Financial Responsibility. So if you are an insured driver under the terms of the Auto Insurance Contract then you are covered to drive it. If you are not an insured under the terms of that policy then you are not covered. Remember, Vehicles do not drive themselves and vehicles do not carry insurance, People do. Auto Insurance Is to cover the losses and legal liabilities of the Insured.
Could you get car insurance with no car?
Not without insurable interest in a car. If you do not have a car, you do not need to have insurance. If you rent a car, you can get insurance for the rental, but that is a temporary policy. If you have permission to drive the car, you should be insured under the policy of the person from whom you borrowed the car.
What is California's policy on car insurance for new drivers?
For a new driver to receive insurance in California, you will need to talk to your legal guardian. You cannot be insured yourself, but have to be insured under your guardians name.
