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Can a uninsured car be driven by a insured driver?

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Answered 2014-04-22 09:59:07

Insurance is purchased for the car, not the driver. Until the car has been insured it cannot be driven by anyone.

Note that most states do allow a short grace period after you purchase a car in which it can be driven without insurance to let you purchase insurance and handle title/registration paperwork. This grace period does not apply to a car that you have either allowed the insurance to lapse or have removed its insurance.

If you already have another car insured (which it appears you do) and wish to drive a car that is not currently insured, contact your insurance agent and have them temporarily transfer the policy to the other car.

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Comprehensive coverage does not apply to the driving of a car. It should be covered.


P.S. The insured driver is found at-fault with witnesses. The uninsured driver is worried if his license will be suspended or facing any penalty for driving the his parent's INSURED car.


If the accident was caused by the uninsured driver than the uninsured driver is definitely still responsible.


If a car is not being driven you do not need to keep it insured. However if your car is damaged while uninsured you will not be compensated.


If the uninsured driver had the permission of the insured driver to operate the vehicle then NOTHING will happen to the uninsured driver. In fact, in this case he or she is not an uninsured driver at all. The insurance follows the vehicle first, the driver second.


It is important to understand the insurance policy that is purchased on a drivers car. The only way that an uninsured driver is covered in an insured car is id the owner of the car has that in their policy.


Yes. If the driver is not an insured, the uninsured driver can be ticketed even if the car itself is insured. In many U.S. states they will also impound the vehicle when it is found being driven by an uninsured driver. It is the responsibility of the vehicle owner to insure that anyone you let drive has appropriate coverage. Unfortunate there is a lot of misinformation out there from laymen that erroneously informs people that anyone who drives the car is insured. This is simply not true. Your will have to see your policy definitions for a covered driver or contact your insurance agent for clarification of when a driver is considered covered under your the terms of your auto insurance policy.


If a person is driving a car and he/she is uninsured but the vehicle in which he is driving is registered and insured to another individual, the registered owner is liable for the damages to the other pwesond's vehicle.


Some states are different, but in Michigan, the company who insured the car is responsible. They can then go after the uninsured driver Some states are different, but in Michigan the company who insured the car is responsible. They can then go after the driver .


You could drive the car with the owners permission only.




Yes they should. Did you carry uninsured motorist? The only issue is if your car had a driver that did not have a license or was living in your home and you did not tell them about this person.


How is the driver uninsured? If he had permission from the insured vehicle owner to drive? There are policy exclusion that apply but most generally that person is considered as an insured driver. I will assume (for the purpose of answering your question) by uninsured driver you mean they have no policy of their own. Are you asking if weather conditons contributed to the accident (say wet/slick road) and they slid into another vehicle is the insurance on the car responsible for the damage to the vehicle they slid into? Yes, probably. Insurance stays with the car. If you could provide more detailed information regarding the driver, and facts of loss, I could be of more assistance to you.


If the driver with the suspended license caused the accident then he/she is responsible.


If the insured driver is at fault then most likely his/hers insurance will be responsible. There is a fine line when it comes to a situation like this especially if you live in a no fault state. The only true way to know the answer is to talk to an insurance company/agent.


It will depend on the driver's car insurance company. In case that driver gets into a car accident, it would be presumed his car insurance will step in to settle the damages.


The answer is "it depends." I know of no insurance companies that issue policies "to drive any vehicle" ... automobile insurance, at least in the USA, is based on the car being driven. In that case, the insurance is actually on the automobile, not on the driver. Therefore, an uninsured car would not be insured regardless of the driver. There may be exceptions, depending on the underwriter and the particular policy involved.


Vehicles are insured not drivers. If you are qualified and authorized to operate an auto the insurance on it will pay for it and any damage done by it.



If the car is insured and covers other drivers, the damage will be covered to the limits of the policy. If not, they're on their own.


i was rear ended frm behind by another car, the car had insurance but the person driving was not listed as a driver, can i still get paid for mu car damages n body injuries


Insurance follows the car, not the driver. So as long as the automobile is insured, so is the driver. Just make sure the driver has a valid driver's license.


Depends on the state laws. Typically driver insurance coverage is extended to any driver of the vehicle insured. Insurance covers the vehicle and any legally licensed driver with permission to operate the vehicle.


Yes, If you are not an insured under the definitions and terms of the owners insurance policy then you "can" be ticketed. Whether you will be ticketed depends on whether the attending officer checks his computer to see if you are in fact an insured driver or not.



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