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.
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.
The car is insured not the driver however many policies have restrictions as to who may drive the insured vehicle.
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.
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.
The extra driver needs to be added onto the insurance policy. Having someone drive a vehicle and not having them on the policy can be a large problem if an accident were to happen.
The rules and laws of insurance vary from state to state but generally speaking it is the automobile that is insured not the driver. So if your friend allows you to drive her insured car and you are involved in an accident you are covered under her policy(((IF her insurance policy does not stipulate restrictions banning unlicensed drivers from operating the vehicle))) in which case her insurance may not cover damages done to her vehicle or injuries to the unlicensed driver.
All drivers are required by law to carry proof of Financial Responsibility. So if you are an insured driver under the terms of the Auto Insurance Contract then you are covered to drive it. If you are not an insured under the terms of that policy then you are not covered. Remember, Vehicles do not drive themselves and vehicles do not carry insurance, People do. Auto Insurance Is to cover the losses and legal liabilities of the Insured.
Yes, but you will be driving illegally. Regarding insurance on written on a personal auto policy, if an insured driver gives you permission to drive their insured vehicle, their insurance covers your liability in an accident. The coverage extends to anyone, whether they are a legal driver, 4 years old, don't have a license, or are blind. However, you need a license to drive in order to be legal.Added: What the question is missing is a statement that you ALREADY HAVE a drivers license or learners permit. If you do NOT have one, you cannot drive under ANY circumstances. As for insurance - it is not the licensed driver that requires insurance, it is the VEHICLE which must be insured.
In the US insurance has nothing to do with speeding. If your state has mandatory insurance, the fact that your car is insured is good enough but the officer may want to see proof of insurance. Here it is the vehicle that is insured, not the driver. In UK you should not let anyone drive your car on the public road without checking they are insured. You can be fined if you let them drive without insurance.
We need to know what he's insured for. If he's insured to drive the car, then yes. If he's insured with life insurance, then no. But normally it's the car that carries the insurance.
No, All drivers must meet the definition of a covered driver under the terms of your auto insurance contract
It will depend on the driver's car insurance company. In case that driver gets into a car accident, it would be presumed his car insurance will step in to settle the damages.
Usually the insurance on the car covers any permitted driver unless that driver is excluded in writing.
A driver who does not have a valid drivers license will be fined and charged, this has nothing to do with a car that is insured, if the driver is caught and cannot prove that the car is insured the fine will be doubled or tripled. No sane person would drive a car without a valid license or insurance, no matter what part of the civilized world you live in.
The Owners Vehicle Policy offers primary first pay coverage. Any policy carried by the driver would invoke as secondary coverage.
Usually the insurance on the vehicle covers any driver who has the permission of the owner of the vehicle to drive the car.
If you are "Uninsured", then you are "uninsured. You may or may not be an insured driver on the vehicle owners policy. Just because someone else has coverage for that vehicle does not automatically mean you are a covered driver. The insured should contact the insurance company or the insurance agent to determine the status of an unscheduled driver. Some auto insurance policies will cover the occasional driver while other policies will not. All drivers of a motor vehicle on public roads are required to carry proof of financial responsibility at all times.
No. If you had broadform insurance he would be able to drive any vehical you own as long as you NAME him a driver. Broadform is nice for people with more then one vehical.
Yes, you should have no problem getting a vehicle insured for your son. Presumably Dad owns the car but the son is the primary driver and Dad doesn't drive. This is not an uncommon situation.
Yes as long as the named insured is not a spouse, or if the spouse does not drive and does not have a drivers license the spouse can also be excluded.
the insurance of the owners car would have to be liable. basically, your not gonna get sh*t cus driving with no license or insurance automatically makes you at fault--regardless of who really in all actuality was. DONT DRIVE WITH NO INSURANCE.
No- you need to give information about your car in order to get insurance on it. You could insure yourself so that you are insured no matter what car you drive, but most of the time not.
If the car you are driving is insured then you are not driving without insurance.
yep u can hope this helped.In most states if you are over the age of 18, it is the car that is insured, not the driver. When pulled over, the police ask to see proof of car insurance, not person insurance.