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If you do not have insurance but the car is insured are you okay to drive it if you are not the primary driver?


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Wiki User
2015-07-15 19:27:10
2015-07-15 19:27:10

Insurance follows the car, not the driver. As long as the car is insured and you have permission from the owner to drive it, you are covered.

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It depends on which company your uncle is insured with, but typically with a standard insurance company you have to live in the household to be a listed driver on the policy. This is regardless of your relationship to the primary insured. If you are not listed on the policy as I driver you are still insured to drive his vehicles as long as you have permissive use.

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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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The car is insured not the driver however many policies have restrictions as to who may drive the insured vehicle.

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Sure; you can insure the vehicle itself. However, you should disclose to your insurance company your condition so they understand that you cannot and should not be insured as a driver of the vehicle.

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The answer is "it depends." I know of no insurance companies that issue policies "to drive any vehicle" ... automobile insurance, at least in the USA, is based on the car being driven. In that case, the insurance is actually on the automobile, not on the driver. Therefore, an uninsured car would not be insured regardless of the driver. There may be exceptions, depending on the underwriter and the particular policy involved.


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