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?
NO!!!! However if you are the one driving your friends car your policy may provide some protection with regards to your liability but only if you are driving. Your own liability usually only follows you to another car if you are using it temporarily as a substitute for your own insured vehicle. Even then, your insurance would be secondary to the owner's policy and your insurer would expect it to be insured. Before I even thought about driving an uninsured car, I would check with my agent to find out if I would be covered. It would be a lot cheaper to buy your friend an insurance policy than to pay the expenses for even a fairly minor accident.
Yes, in some cases your insurance company will raise the rates on your policy if you receive a ticket for driving while using the cell phone. AAA offers discounts for safe drivers.
This can affect car insurance if they believe you are drinking or using drugs and driving. However, most of the time it won't go up.
You have to be on the registration as well. Most insurance companies are cracking down on this because people are using other's with better driving records to save money-so they got wise
The person driving the vehicle. You borrowed the vehicle so any damage is your responsibly to fix. In almost all cases your insurance covers you if you must borrow another car. Check with your insurance company to be sure.
Auto liability insurance, sometimes known as third party insurance, provides protection to the driver for the costs of damaging another vehicle, property or person whilst driving. Cheap auto liability insurance can be purchased from car insurance brokers, and cheap deals can be identifed using insurance comparison websites such as Go Compare or Compare the Market.
Car insurance premiums are measured using a variety of variables. These factors include your age, driving experience, vehicle model, annual mileage, and overnight parking location. You can compare cheap insurance rates for young drivers online.
The short answer is it depends on your insurance company. Some do and some don't; most do not. My qualifications: I am an independent insurance agent in CA. ADDED: It may well do where using a hand-held phone while driving is illegal, as it is here in the UK. As you say it would depend on the insurer, but in the event of an accident it could at least void the claim if not the policy.
"The insurance cost for a new driver on any insurance company like Gieco will depend on the drivers age, and what type of vehicle they will be using. Typically male drivers at the age of 16 cost about $200 a month to insure driving a 4 door car."
The benefit of using an online insurance calculator is that it saves you time and effort! Online insurance calculators will quickly and easily estimate insurance costs with ease.
using ur mobile phone when driving