Were they a named insured in the Household? By most companies, if you are rated in the household, you may drive any vehicle in HH. Yes, coverage should still apply to the vehicle however I would try to get the title of the car changed out of the name of the deceased party's name as soon as possible.
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.
Generally No, even if they died in the car. It's the person in control of the car, that must be insured. So stuffing the Primary Policy-holder in the trunk, is not going to cut it with the Patrol Officer, who's just pulled you over for something. However, if you are named as a co-driver or second driver on that policy, then you should be covered. I would strongly advise you, to read the Terms and Conditions of the Policy, as you may have a reduced level of cover, possibly only the Statutory Minimum required.
Yes, the primary driver has to be it in because the car is listed in their name. Im speaking from experience where my mom (who didnt want to drive) rented a car in her name. The company would not let anyone else unless they were added on the policy, and still then, she had to be in the car with them.
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