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You would have to be added to your parents policy as a driver, and you will be subject to premium increases if you are a younger driver because insurance trends show younger drivers to be a higher risk than others.

Sean IL Licensed Ins Producer

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โˆ™ 2015-07-15 19:53:37
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Q: Do you need to pay for car insurance if you are just using your parents car or does theirs cover you?
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Is a non covered driver on your insurance covered if he is involved in an accident?

You need to read your contract, in most states any legal driver over 25 is covered on any policy and on some policies cover everyone with A valid license. Also if the person is using your insurance to cover damages they caused, You can sue them for costs. The policy is yours not theirs.

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Car insurance follows the car. If you are using the friend's car temporarily, with permission, as a substitute for your own insured car, your insurance should cover you if the friend's insurance does not. What if my friend (who has the car) does not have insurance and I want to pay for my faults and fix it - will he be arrested?

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