If you do not own a vehicle, but have a driver license, you can obtain a non-owned auto policy. Check with your local independent insurance agent. I don't know if direct writers (State Farm, Allstate) writing these types of policies, but most independent agencies can find you a company that will.
If you are in your parents vehicle and you are on their auto insurance policy, you would be covered.
If you have insurance on a car anyone who you give permission to drive the vehicle is covered under your insurance. This is normally covered when insurance companies ask if there will be any other drivers for the vehicle.
No, vandalism is covered by comprehensiveinsurance.
The cosigner on an automobile loan is not the person who has to pay for insurance on the vehicle. The registered owner should pay the fees for insurance. However, it is the cosigner's responsibility to make sure the registered owner is carrying insurance for the vehicle.
If you have an existing auto insurance policy, the new vehicle will be covered if it is added to the existing policy within 15 days of the purchase of the new vehicle.
You have to list the drivers covered to drive your car on the policy. If not he is not covered.
Yes, if you have their permission, are a licensed or permitted driver, and are covered by insurance and the vehicle is properly licensed and working.
you have ten days from the original date of purchase to have insurance and have the car / vehicle registered in your name you have ten days from the original date of purchase to have insurance and have the car / vehicle registered in your name
The registered owner of the vehicle can, the driver of the vehicle (as long as they have no ownership interest) can not. Right ticket, wrong recipient.
No. Since you said it was "non covered". that would indicate that you have no coverage for that vehicle.
Yes you are covered on a family members car insurance if you are driving a vehicle owned and insured by them.....
If it's your vehicle then no. You have to add the other vehicle to your policy, otherwise it is not a covered vehicle. If it's a temporary replacement vehicle then coverage may be afforded under your own auto insurance policy.
Insurance Coverage on a Parents policy? Yes, So long as you are also listed by name as a covered driver on your parents Policy and your parents have an insurable interest in your vehicle. If you are a minor or a dependent still living at home then you might be able to get insurance cheaper through your parents than you could seperately. You "by name" would need to be added along with your vehicle to your parents policy to be an insured driver.
If you OWN a car it can be insured.If it is to be driven it must be registered correctly for the insurance to be validI have an antique sports car that has not been driven or registered for two years, but it is insured.
Why not. That unlicensed vehicle owner could be disabled and hired a licensed driver to drive the vehicle.
In Texas, Yes, It will cost more for Insurance for a new driver whether or not he is the registered owner of a vehicle.
You have to own a vehicle to insure it then you have to register it as the registered owner. So if you are borrowing a vehicle either the owner has to insure it or you have to buy it from them
Yes, you are correct. Items in your vehicle that are damaged in an accident or fire or whatever are not covered by you auto insurance unless they are part of your vehicle. The alternative is that they are covered on your homeowners insurance. The downfall to this is that you will have a deductible on your homeowners insurance that you will have to meet first.
No, the unlicensed child is not covered under the parents policy unless that child is a scheduled driver on the parents policy. It is illegal to operate a motor vehicle on public roads with out a drivers license. Most parents already know that. It is also illegal to operate that vehicle on public roads without proof of financial responsibility. Fortunately the Parents are insured for acts of negligence in allowing the unlicensed child to illegally operate the vehicle. So basically the child is not a covered driver. Now the Insurance company will most likely pay a claim or loss if the unlicensed uninsured child has an accident. The claim would be paid not because the child was covered but rather the Insurer would be paying a negligence claim against the covered parents.
It depends on the insurance company, but generally, yes. Call your insurance agent to see what you need to do.
Either vehicle is covered by auto insurance but you would need to get insurance policies that cover commercial vehicles.
As long as you have a license. The insurance follows the vehicle, not the driver.
Auto insurance typically covers the car, not the driver. So, if you have insurance on your vehicle, but you drive another vehicle that doesn't have insurance, you are not protected by your policy if you have an accident in that other vehicle. However, if you have insurance on your vehicle, and you lend it to a driver (from another household) who does not have his or her own insurance, they will be covered by your policy while they are driving your car.
You may need to get your insurance company to add the new driver on with a rider clause to be covered. It is possible that your coverage will allow the new driver, but, some insurance companies do not allow new drivers to be on the parents insurance, They make the new driver get an insurance policy on his or her license before they will cover them in the parents car. Check with your agent before you let the new driver operate the vehicle alone or you may loose your insurance.
Illegally, yes. Legally, no.