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For New York, I think the answer is yes, *legally*, but a "driver in the household not listed on the insurance" is wrong contractually with your insurance company.

I am trying to research this on the internet and here are my discoveries so far for New York State :

(1) Drivers in your household who have their own vehicle

(2) Drivers in your household without a vehicle, i.e. child/older parent.

(3) Driver not in your household who uses your vehicle regularly, i.e. personal assistant, someone who drives you to errands, child who borrows your car.

[ Kids away at college 10 months are in your household I think ]

You must tell your insurance about (2) or (3) , even if they will never drive your vehicle. Apparently, even if they are not family. You must tell them about a (1) if they will be using your vehicles.

Any driver you permit to drive your vehicle is (by law ??) insured, but if a loss or ticket occurs with a (2) or (3) you may (probably will) get dropped by the insurance company and spend a lot more $ getting back on with someone else.

Watch out for catches like what I'm trying to research - I have my 2 vehicles for my wife and I, My 25 yr old son has his vehicle off the road (unregistered, but insured) for 3 months, does my 21 year old daughter with her own vehicle need to put him on her insurance too ?

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โˆ™ 2015-07-16 19:26:49
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Q: If a driver in the household is not listed on the insurance on a vehicle can they drive that vehicle if they are given permission by the insured?
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Is it legal for a resident of the same household to drive an insured vehicle if they are not specifically covered under that policy?

You can drive an insured vehicle if you're not on the policy because when the police pull you over they are looking to see if you have insurance on the car. But to answer the question...NO, it's not legal to drive the insured vehicle if your not on the policy. As always, check with your insurance agent, but anyone driving the auto with the policy owner's permission should be covered. However, ALL licensed drivers residing in the household are supposed to be listed on the policy.


Can you drive your dad's fully comprehensive insured car with his permission?

It depends how old are you and whether or not you are an insured driver under the terms of the terms of your Dad's insurance policy. Your Dad's insurance agent can tell you if you are insured to drive the vehicle.


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Do you need auto insurance when you don't own a car?

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Will progressive insurance pay for an uninsured vehicle if the at fault vehicle was insured by them?

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Can your insurance cover a person who has your permission to drive but is not in insurance and has a accidents?

The best advice I can give you as an insurance agent is not to allow people who are not listed on your insurance policy to drive your vehicles, ever. This is not to say your company will not cover someone driving your vehicle with your permission but it will bring up questions. Insurance companies are very wary these days about unlisted drivers who have claims driving an insured vehicle. Your policy states that you must notify all residents of your household as well as any regular driver of any of your vehicles. I have seen several occasions where claims are denied because the insured did not comply with these requirements. This is not to say you can't lend a vehicle to a friend whose car will not start one morning. Just remember you are also loaning them your insurance and your insurance record. How many days makes them a regular driver? A child who lives at college is still a resident of your household. Be very careful jeopardizing your insurance record that you have worked to build up.


Can you get a ticket for driving with no insurance if you are pulled over driving a borrowed car that is not insured even though your personal car is insured MN?

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Do you have to be the owner of the vehicle to be insured on it?

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The owner of the vehicle buys the insurance -- for the vehicle. Cars are insured, not drivers.


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In Ohio if an uninsured unlicensed driver is driving your car without permission and hits a car and you have insurance are you responsible?

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C. Comprehensive


If Im not the original owner of vehicle how do I get insured on the vehicle?

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How can you find out if someone is insured?

If its your own vehicle you can enter the reg number at www.askmid.com this will tell you if the vehicle is on the Motor Insurance Database. It will not notify you if the driver in question is insured to drive the vehicle. For use with your own vehicle only.


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If you gave permission then it should be covered.


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Is driving without insurance


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Would insurance cover the accident if you were in an accident but were not on the insurance policy but you had your own vehicle and insurance on it?

If the car that was involved, in an acident was insured yea!