No, you will need to be added to their policy if you're underage. You're required to be an insured driver any time you're operating a motor vehicle. If you're driving and hit something/someone, your parents insurance will exclude you unless their policy includes probationary drivers.
New drivers can benefit from being on their parents insurance because their parents can take advantage of additional discounts that teen drivers wouldn't otherwise get.
"Adding Drivers" I presume you mean for insurance purposes? Has nothing to do with ownership (title). So yes.
Yes. It is the vehicle that is being insured, NOT the owner. The owner's license status is irrelevant.
Yes, you can borrow your parents' car without being a named driver on their insurance policy. Depending on the type of policy and its actual rules, you might or might not be covered in case of an accident.
There are many insurance companies that offer a variety of options for car insurance. Prices vary depending upon location, type of cars and drivers.
The idea behind takin away the drivers license was that you were being irresponsible to drive without insurance. Now you want to demonstrate how irresponsible you REALLY are by filing bankruptcy to get out of your moral obligation. I sincerely hope the court will require you to pay for the damages to the other vehicle BEFORE they let you drive again.
Your mom could loose everything by being sued by the other drivers insurance company. Because you are unlicensed and took the car without permission her insurance company will not cover the accident and you are likely to get a ticket.
A 17 year old can not enter into a legally binding contract. Therefore a parent or guardian must countersign the Insurance Application.
They were killed after being run down by drunk drivers when he was a child.
Licensed minors do not need to be listed on the parents' insurance policy in this state. Any family member is included on the primary driver's insurance. However, the insurance agent must be informed about the fact that minors will be driving the car. They must be listed as drivers on a form and have an insurance card to drive legally. There is a difference between having an insurance card and being listed on the policy. Simply because they are not listed on the policy does not mean the rates will not go up. Different regulations may apply in your area.
Because this cruise vacation is being purchased as a surprise, travel insurance is advisable. There is a chance your parents may already have plans and cannot go on the cruise, in which case you'd have to pay fines and cancellation fees without the insurance.
The answer: No. Insurance is not cheap to any young driver. Not being on a parents policy can be more expensive as well.