In Victoria Australia, a person can file a claim against another person while driving an unregistered permit, but only if they have obtained and displayed a permit to drive the vehicle
Speeding is a sure sign that you WILL have an accident soon, and the insurance company is well with-in their rights to protect themselves against bad drivers. They do this in a number of ways. One is to raise your insurance costs, to make you more aware of your driving mistakes. Another way is to cut you off, based on your driving convictions.
No, in the state of Mass where i am from, the insurance is covered for your car only. It will not follow you if you choose to drive another vehicle. You may want to check the state your are in if this is different, as they may have a different type of policy you can purchase that will cover you. With my experience, the only insurance you have is your health insurance if you are driving another persons vehicle.
If you are driving an unregistered motor vehicle on a public highway in Connecticut and are contacted by police, the most likely result will be the officer writing you a ticket for operaration of an unregistered motor vehicle and having your car towed, since unregistered vehicles cannot be driven on public roads. The ticket will cost you $117 and the tow bill (which will NOT be covered by AAA since you are in violation of the law) will be a minimum of about $80. The state statute regarding operation of an unregistered motor vehicle is CGS 14-12a.
Auto insurance typically covers the car, not the driver. So, if you have insurance on your vehicle, but you drive another vehicle that doesn't have insurance, you are not protected by your policy if you have an accident in that other vehicle. However, if you have insurance on your vehicle, and you lend it to a driver (from another household) who does not have his or her own insurance, they will be covered by your policy while they are driving your car.
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