Yes, you absolutely do! Just as anybody else, if you own a vehicle, by law, you need to have at the minimum, liability coverage.
Yes, I recently bought me insurance and they asked if I was going to be the driver or not.
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Several companies offer car insurance for learner drivers including the AA, Aviva and City Insurance. If the learner driver is going to be learning in a car owned by a qualified driver with their own insurance policy it may be possible to add the learner driver to that policy for a nominal fee.
If you are both going to be driving the car, you should add the co-leaser on the drivers insurance as an additional driver. If it's just going to be the first leaser, then I would say only the driver has to carry the insurance.
You are going to need to find a local or well known life insurance provider. They will have you fill out papers and possible meet with somebody to discuss the terms and price.
No. Driving records follow the driver, not the car. Unless your friend is listed as a driver on your insurance then your insurance company is never going to find out about this/isn't even concerned with this.
Yes, you do not have to own a vehicle to get a driver license.
about $100 a month depending on the state
Most likely yes.. but your rates are going up, and the driver will be cited.
Not currently, most state DMVs require that the person who registers the vehicle have insurance on the car. The DMV in TX piloted a program last year that concluded over 25% of registered vehicles are uninsured. Once this program actually goes into affect then the answer to your question will be yes. But as of now, no. It is important that the person actually using the vehicle carry insurance on it, but be aware of these issues: 1. As the owner of a car you can be found liable for damage caused by your vehicle, even if you are not the driver. 2. A lot of insurance companies will require that the person insuring the vehicle is the owner, however will not be willing to insure your car since you are not the regular driver. 3. If somebody else is going to insure your car, ask they the insurance company list you as an additional interest. This will garauntee that in the event of an accident you are notified and given legal representation if the driver of your car is at-fault.
The insurance is on the DRIVER as well as the car driven. So, the answer is Yes.
No, insurance does not always follow the owernership of the car unless you and your friend live in the same house and you have your driver's licence. If you tell the insurance company that you are not going to drive the car at all time and main driver is your friend, then you do not have to be under the same insurance.