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Can you drive a family members car if you have the same insurance company?


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Wiki User
2015-07-15 21:34:45
2015-07-15 21:34:45

Sure, you can drive the car. It doesn't matter if you're registered or not. And because you are an insured driver, that makes it even better, even if you're not insured to drive that car.

Having the same insurance isn't the issue. The issue is whether or not your state follows a "family doctrine purpose", which covers anyone in the immeadiate family regardless of who is driving, or follows an "ownership statute", which extends the priveledge to anyone driving the car with permission of the insured owner.

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No. If they are going to drive the family car you can, if the insurance company allows it, but they should really have their own insurance.

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Yes, I would make sure that any car you drive is covered.

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Insurance co. are not required to test drive any vehicle.

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The average American family drives their car 15,000 miles per year. The more you drive your car, the more your insurance company will want to charge you.

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Some insurance companies will require policyholders to sign a driver exclusion for family members if you claim the individual does not drive your vehicle. If the insurance company has previously paid a claim for an unlisted driver, they may require that you list the driver on your policy or sign a driver exclusion that restricts that driver from driving your vehicle. If a resident of your household has tickets and accidents and is not rated on your policy, the company will require a driver exclusion to prevent increasing your policy if they are rated.


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