Drunk Driving (DWI or DUI)

If someone else is driving your vehicle and gets a dwi in new york state will your insurance rates increase?

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2008-08-03 03:30:18
2008-08-03 03:30:18

Quite likely. The insurance company will think you showed poor judgment by allowing this person to operate your vehicle.

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Related Questions


His liability insurance on his car should transfer to the vehicle that he is driving.


No, liability insurance is when there are injuries involved. If you are injured in an accident when someone else is driving your car, your liability insurance would cover your medical costs. Comprehensive and collision insurance on the car you were driving should pay for damages to the vehicle.


If you have insurance on your car, and someone else is driving it, and has an accident your insurance rate will go up but it will cover the damages to the other persons vehicle.


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.



Insurance stays with the vehicle, the policy that insures the 'at fault' vehicle will have the rate increase should there be one.


No, driving violations are based on the drivers lic. not the vehicle they were driving


== == == == Car insurance follows the car. If someone was injured they can go after the driver if they weren't the owner of the vehicle.


not if you are personally insured to drive that vehicle on your own policy


If the vehicle has insurance it will cover damage to the other vehicle but not the one you are driving. Now if you have insurance on another vehicle your insurance will cover the damage to the vehicle that you where driving even though it is not on your policy.


It depends.... If the girl that hit your car has car insurance that covers her while driving another persons vehicle, go after her and her insurance company. But if not, go after the owner of the vehicle, they are responsible for the vehicle at all times. The insurance company doesnt care who is driving.


Yes & No. You still have to have liability coverage, which is the lowest type of car insurance, if you plan on driving another person's vehicle. Because, several years ago, I drove my friend's vehicle and the brakes went out and I rear-ended another vehicle. My friend did not have insurance on his vehicle, so my license was suspended for three months for no insurance. I advised the DMV that the vehicle wasn't mine! But, they told me that it doesn't matter! I should have had liability insurance anyways, if I was planning on driving someone Else's vehicle!


If you don't own a vehicle, or have no intention of driving, you do not have to maintain auto insurance.


The driver is always responsible. It is the drivers obligation to verify insurance before getting behind the wheel. If you have insurance on another vehicle you may have some liability insurance covering YOU when you get in someone else's vehicle. Check with your agent.


Absolutely. You are responsible for making sure the vehicle that you are driving is insured. It does not make any difference that you have other car insurance or even that the owner of the vehicle has other insurance. If there is not insurance on the vehicle you are driving then you are guilty.


You should immediately report the accident both to your own insurance company and to the vehicle owner's insurance company. Depending upon which state you are in, either one or both insurance companies is responsible.


The answer to your question is no,unless your driving someone elses car at anytime,then you must be insured for that vehicle and that vehicle only..



No. Speeding tickets are issued to the driver not the vehicle.




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.


Yes. Collision coverage pays for damage to your vehicle, minus the deductible, regardless of who is driving it. Also, if you loan your vehicle to someone they are considered a permissive driver and you are liable for damage they cause in your vehicle even if they have their own insurance. Insurance always applies to the car not the driver.


The insurance follows the vehicle therefore the person who owns the vehicle is responsible for having insurance on the vehicle and that insurance will cover the loss. I know it seems that the driver should have some responsibility but that is not the way policies are written. The best thing is teach you children never to let someone else drive their vehicle, period. Insurance companies do not like it when their policyholders loan vehicles and they then have unknown drivers driving insured vehicles.


Usually, it is the responsibility of the owner. However, if you have insurance on your vehicle, they will step in as secondary coverage...including covering the damage to the vehicle you were driving, if you have the coverage.



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