Insurance will cover any licensed driver with permission to borrow the car.
In most situations, the insurance follows the vehicle, therefore, if you don't have a vehicle you would not have a need to have insurance. You still have the responsibility to make sure that any vehicle that you do drive is insured. If you borrow someone's car and drive it, you have the care, custody, and control of the vehicle and you are legally responsible to make sure it has the legally required coverage. If you drive an uninsured vehicle, you will be ticketed.
no Actually, it depends on what you mean. In the U.S. you do not have to have car insurance if you don't drive a car, so if you don't own a car, by default you don't have to keep insurance, however, many states in the U.S. require you to have insurance if you are driving, so if you borrow someone's car, you may be required to have insurance while driving it. In the states that require insurance, you can get a ticket if you don't have it, so if you borrow a car, be sure the owner has it insured and ask him for a copy of the policy of proof of insurance card.
It is illegal to drive a car that is not insured for at least third party cover (i.e. if you hit someone then they - but not you - will get paid out). Therefore if the car is not covered on an insurance policy that YOU have then to drive it you would need to be covered on someone else's insurance. Some people hold insurance policies that allow anyone (with permission from the owner) with a valid license to drive the car and in this case you would b covered on this policy - many company cars have this sort of policy. It is you DUTY to make sure that you/the car has as covering policy before you drive it and that you can PRODUCE this policy for the police should they require you to do so.
In most cases they can drive your vehicle but most insurance companies have restrictions on the age of the driver, usually 25 or older. It is best to check with your insurance company before letting someone else drive your vehicle.
if they're on your insurance
In the UK, yes. So long as the driver has insurance.
yes you can but if you wreck and they have insurance their car will be ok but your screwed
that depends on their insurance policy
depending on your insurance: if your insurance says that if you give permission to others to drive your car then its covered by your personal insurance. However, the catch is that its half of your insurance paying for it: and half of theirs
insurace. you don't have insurance for the passengers
You should never drive uninsured however if the car has coverage it may or may not exclude other drivers besides the owner. Look into that before you borrow it.
Yes you can, it's called a named non-owned policy. It covers you to drive a vehicle you do not own, and it only covers you to drive a vehicle that does not have insurance. If you borrow a friends car and have a name non-woned vehicle and have an accident, the insurance follows the vehicle, so their insurance will pay. That company may subrogate and come after you then it would be up to your insurance company to decide if they'd accept liability.
Yes, If your Insurance company paid the claim then they are allowed to increase your premium appropriately to cover your risk factors. If you let others drive your vehicle then that is demonstrative of how you handle your vehicle. Loaning out of your vehicle to others increases the risk that you will have a claim.
This is not good. The law specifically says, that, it is your responsibility to make sure that the vehicle you are about to drive is properly insured. Sorry to say, but there is no way out of it.
You have to pay because you let them drive you car so it is your fault!
can I let my grandson drive my car on L plates
It depends on the state and the insurance company.
Ask an insurance company for a "broadform" policy. That will cover you for any car you drive. Yes, although it's rather pointless. Why pay for insurance on something that you don't even have or own ... there is no need. If you drive someone else's car, you are covered under their insurance policy, provided you have their permission to drive it.
If they are not pressing charges, then they are giving you permission to drive their vehicle. If you give someone who doesn't have a drivers license permission to drive your vehicle, you are voiding your insurance coverage. The Insurance company will not pay.
Usually the insurance on the vehicle covers any driver who has the permission of the owner of the vehicle to drive the car.
It is my understanding from my insurance company that if I "give permission" for someone to drive my vehicle and I have full coverage then my vehicle is covered. Recommend you ask your insurance carrier this question, they will be happy to give you an answer regarding your policy.