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Does a driver have to have car insurance if the car they are driving is already insured?

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Wiki User
2005-10-28 03:35:14
2005-10-28 03:35:14

No.

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Most, if not all insurance companies checked your driving record so they know already.

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Only if the driver was responsible and only for his liability

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A driver who does not have a valid drivers license will be fined and charged, this has nothing to do with a car that is insured, if the driver is caught and cannot prove that the car is insured the fine will be doubled or tripled. No sane person would drive a car without a valid license or insurance, no matter what part of the civilized world you live in.

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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.

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the insurance of the owners car would have to be liable. basically, your not gonna get sh*t cus driving with no license or insurance automatically makes you at fault--regardless of who really in all actuality was. DONT DRIVE WITH NO INSURANCE.

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for the driver - there will no coverage. For the passenger the same as well. It is your responsibility as a passenger, to be sure that the vehicle you are driving in is INSURED, always.

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The un-insured driver will have to turn to their health insurance company for coverage if he carried no auto insurance.

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He should be a rated driver in the house on something. If not,,,the insurance company could decide to cancel if the teenage driver was not rated, and had a negligent accident.

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Insurance follows the car, not the driver. As long as the car is insured and you have permission from the owner to drive it, you are covered.

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

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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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Is this about an auto accident? Are you a young driver who didn't yet have a regular license and was driving with only a learner's permit? What do you mean "you aren't insured"? Drivers aren't insured; vehicles are. Was the car insured or not? If not, what were you doing driving it, and what makes you think there's even a remote chance that insurance will pay? (Unless you're talking about the other driver's liability insurance -- assuming there was another driver.) Or are you some sort of contractor who was working on some sort of job without a work or construction permit?

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Yes, but you will be driving illegally. Regarding insurance on written on a personal auto policy, if an insured driver gives you permission to drive their insured vehicle, their insurance covers your liability in an accident. The coverage extends to anyone, whether they are a legal driver, 4 years old, don't have a license, or are blind. However, you need a license to drive in order to be legal.Added: What the question is missing is a statement that you ALREADY HAVE a drivers license or learners permit. If you do NOT have one, you cannot drive under ANY circumstances. As for insurance - it is not the licensed driver that requires insurance, it is the VEHICLE which must be insured.

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It is more likely you will be sued by the insured driver's insurance company. Just because the other driver had insurance, that does not exonerate you from having to pay damages if you are liable.

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If the car is not currently insured, then you need to get insurance on the car that you will be driving. You can purchase liability only if you are looking to go the cheaper route.

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Very simple, the insurance policy follows the vehicle not the driver. In this case, the vehicle insurer will be responsible for all damages.

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If there is no insurance on the vehicle and you get a ticket for driving without insurance you are guilty of the offense and will have to pay your fine. Even though the vehicle belongs to someone else it is the responsibility of the driver to make sure there is valid auto insurance on the vehicle before driving it.

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You cannot get driver insurance unless you have a car.

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Barring any exclusions in your policy if the driver had your permission to drive they will be considered an insured driver thus afforded coverage.

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The correct answer to this varies from state to state. Some US states have omnibus laws that require insurance companies to extend coverage to any legal driver whether that particular driver is personally insured or not, as long as the vehicle itself is already insured by someone. [JMH] No as far as i KNOW THEY CAN'T DRIVE UNLESS THEY ARE INSURED


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