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Is it legal for me to drive a family members car even though im not on the insurance?
Wiki User
∙ 12y ago
Legal depends on the laws in the state in which you live. I doubt it is illegal. However it is not wise. You need to be listed on the insurance as a driver. If you are not listed then you are lying to the insurance company and according to the policy the owner of the vehicle is committing material misrepresentation. This will cause the insurance to be void and if a claim occurs it will be denied by the insurance company. On the insurance application the applicant agreed to immediately notify the insurance company of any household members and anyone who drives the vehicles on the policy. In the policy itself it repeats this requirement as part of the legal contract. I have seen insurance companies deny coverage more and more for this type of activity. This will cause you a world of problems which could easily be avoided by giving the company what they need and have to have to fairly rate the policy. It may not even cost anything to add a driver depending on the age, marital status, and driving record of the person being added. As a matter of full disclosure, I own and operate a small Independent Insurance Company in Central Georgia and have for the past 22 years. Prior to that I worked as an agent for a direct writer of insurance for 3 years.
Wiki User
∙ 12y ago
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Are you covered by a family member's insurance when driving their car in Georgia?
As long as you are sure they have insurance and if you are listed as a drive on such insurance policy. If these cases are both yes then you will be covered under their insurance as long as you have permission to drive the vehicle.
Do you have to add licensed non family member living in your home to you auto insurance policy?
No. If they are going to drive the family car you can, if the insurance company allows it, but they should really have their own insurance.
Who drives a car?
Only people with a license and car insurance are legal to drive a car, though many people without a license and/or insurance drive cars daily.
Can you get car insurance to drive a car of someone in your family if you dont have a car?
Yes
Can you drive a family members car if you have the same insurance company?
Sure, you can drive the car. It doesn't matter if you're registered or not. And because you are an insured driver, that makes it even better, even if you're not insured to drive that car. Having the same insurance isn't the issue. The issue is whether or not your state follows a "family doctrine purpose", which covers anyone in the immeadiate family regardless of who is driving, or follows an "ownership statute", which extends the priveledge to anyone driving the car with permission of the insured owner.
Do Pennsylvania car insurance laws require you to have collision?
Yes they do. You will have to get at least get collision insurance if you want to drive a car in Pennsylvania. More insurance is good though.
My son owns a car that is not insured. can I purchace liability insurance for that car and drive it legal?
In most states insuring a family members vehicle is acceptable. If it is not in your state then the vehicle can be insured in the sons name with you as an additional driver.
Can you get insurance without a driver's license?
theirs no need to because you cant drive so theirs no need to get insurance Depending on the jurisdiction where you live, you can get car insurance in case of fire or theft even though you can't drive it.
What happens when you are driving a family members car and hit the same family members other car but you are not on their insurance?
If you are a permissive driver (given permission to drive the vehicle by the named insured), your accident would be covered under the owner of the car's policy. The insurance follows the vehicle, not necessarily the driver. You might want to check the owner's policy. I've seen a clause that specifically excludes damage caused by another vehicle insured by the same person.
Do you need to have car insurance when you have a learner's permit?
Yes, it is illegal to drive without car insurance. You may be covered on your family's insurance plan, however, so I would discuss it with them.
Can you drive a family member's car if you don't have the same insurance company?
Yes, I would make sure that any car you drive is covered.
If you live at home and have a license but do not have a car and do not drive any of the family cars what kind of insurance should you have?
You don't need auto insurance if you don't have a vehicle. Even if you were driving your parents' or other family member's car, their insurance should cover you. Every lisenced driver in the household should be listed on their policy, even if they will never drive the vehicle. You still need to have at least liability insurance. Other wise when you do get a vehicle, you will be considered as having a lapse in coverage which in turn makes you a risky client to insure and your premiums will be more. By keeping you on any family members policy will aleave you of this problem. And keep you from paying the higher prices.
