Ok here are the disadvantages (from both stand points): If you have any tickets or accidents they will be charged on the policy and cause the persons rate to go up and possibly get terminated by the company. Also depending on your age and sex, the rates could go up too. You being a driver on someones policy put them at risk for lawsuit if you cause an accident. Now for the advantage: You being on someones policy can help your rates when you decide to get your own insurance, companies look at prior insurance and people that have continuous insurance get better rates.
One can find information on provisional driver insurance through the Insurance Learner Driver website. There one can find full details and get a quote.
The obvious advantages are greater personal mobility and freedom. The disadvantages arenot really disadvantages if you are mature enough to handle them: Greatly increased legal responsibility for your actions, greater insurance cost for your parents, if you still live at home, and skyrocketing insurance costs for your parents if you have so much as one ticket. Fines and/or court costs out of your pocket if you do get a ticket. Possibly also designated taxi driver if you have younger siblings at home.
um... yeah if your on your parents insurance....... i think
Yes, as long as you inform the insurance company.
In the UK, yes. So long as the driver has insurance.
Although it depends on your insurance, the driver is covered if driving with your permission.
liability insurance goes with the driver, so the drivers insurance would pay for it. If the driver does not have insurance, then the owner of the car's insurance would pay if the vehicle was knowingly lent.
What happens when an insured driver hits someone depends on the state you live in. In a no-fault state you present your claim to your insurance company for payment. In a tort state, you would sue the driver for compensation. If you have uninsured driver coverage, then your insurance company should cover you and/or your vehicle, up to a certain amount. You should check with your insurance company to be sure.
Always remember insurance follows the vehicle and points follow the driver. So if they get points from the ticket it will follow the driver.
Car insurance is just that: insurance for the car. When a contract between the insured and the insurance company is purchased, it is based on the driver and the vehicle. If the driver takes someone else's vehicle, the insurance is only for the original car. There would be no pay out for someone else's car. Example: Driver A buys insurance for Vehicle A valued at $5,000. Driver A uses Vehicle B that is valued at $35,000. The insurance cost is obviously not the same therefore the coverage is not there. In the event of bodily injury, coverage up to the agreed limits are there. Remember, health insurance does not cover care and or treatment due to a vehicular accident. I hope this helps clarify the questions.
One can find cheap car insurance for a new driver is get a family or relative to register you as the third driver especially someone who has many years of driving experience. This way you can avoid paying expensive driving insurance.
The driver will get the ticket.
Insurance follows the driver.
You guessed it!
The un-insured driver will have to turn to their health insurance company for coverage if he carried no auto insurance.
You can get information related to young driver insurance at compare market insurance.
Short term motor insurance has many benefits. The greatest benefit of short term motor insurance is that it allows someone to add a temporary driver to a car, and extends their regular insurance to cover the temporary driver. This allows someone to go on a road trip and not worry about being uninsured and on the road.
how can we apply on line for driver only insurance
Sorry, the driver with no insurance can claim of your insurance. He/she has no legal right to lodge such unauthorised claim.
Tickets are issued to people not cars. If you get a ticket while driving someone else's car, it only affects their insurance costs if you are a listed driver on their policy. The ticket is for the driver.
To be a licenced driver in the United States, you must have Liability insurance. To be a licenced driver in the United States, you must have Liability insurance. To be a licenced driver in the United States, you must have Liability insurance. To be a licenced driver in the United States, you must have Liability insurance. To be a licenced driver in the United States, you must have Liability insurance. To be a licenced driver in the United States, you must have Liability insurance. To be a licenced driver in the United States, you must have Liability insurance.
ANY driver with permission to drive that car by the owner is covered under that car's insurance policy. Insurance goes with the car...not the driver.
Your name must be on the insurance policy, otherwise you are not a covered driver under that insurance policy. Failure to disclose a known driver can void any coverages afforded by the policy and is a well known form of insurance fraud.
no, the driver has to be on your insurance or have there own insurance. if your driving and the persons with you then yes
My insurance canceled uninsured person hits someone in rear what happens to me