Whose insurance covers you if you drive a friend's car but only have a learners permit and your parents have the same insurance company?
I hope you're asking this before you need to know, not after.In most cases the insurance is on the car, not the driver, so it would be the car owner's insurance. Generally, the insurance will cover someone driving with the owner's permission, but there could be an exclusion for someone with a learner's permit. You and your friend should know before you drive the car. If we have a driver's license and covered under an insurance company for our car, can we still drive a friends car which is covered under a different insurance company. And which company will cover the car in this scenario.
No it depends on you insurance company, some companies require the kid to be on the insurance while others don't until they get their day license.
Do you need to be listed on your parents car insurance policy as soon as you get your learners permit?
The insurance company stipulates, any household member that can drive. It doesn't say how often so yes.
Have your parents contact your insurance agent as soon as you receive your learners permit. Most companies require that you be added to policy as a driver. Most companies don't charge an extra premium for drivers with learners permits but do want them listed.
Check with your insurance company, but in most states they are covered under the parents' policy at no charge until they get their license. You should tell your insurance company that your child does have a permit to insure proper coverage Try this site where you can get quotes from different companies yourfinance.co.cc
If you drive on a learners permit without an adult in the car do you have to pay for the other persons injuries and their car damages?
Yes, you or your parents, or the insurance company of whoever owns the car you are driving.
no. because as long as the parents has insurance they are fine. And this is only if the parent adds them on their insurance.
Do you need your own auto insurance in New Jersey when you only have a permit or are you covered under your parent's policy?
Most insurance companies cover a minor with a learners permit under the parents insurance because the minor drives while the parent is present. In the state of CO,CA, and WA. Your covered under your parents. Some states may have different laws, but I doubt it. Please check with your parents insurance company.
You must either have a driver's license or be insured under a licensed driver's insurance. If you are a minor, your parents can add you to their car insurance.
Does one need to be covered under the parents' insurance when one just got her or his learners permit?
It depends on the insurance companies rules.
Ask your insurance company. It is likely that you parents will need to be the owners.
You have to check with the specific insurance company about the terms of your parents' plan.
Yes, the premium will increase as you must be included as a driver in their policy. I disagree. It depends on the insurance company. Mine told me my rates will not go up when my son gets his permit, but they do want to be notified. Rates will go up when he becomes licensed.
call the company but if your son is on his learners shouldn't be a problem if you have a v8 or high powered car then if he's on his p's probably not my parents are divorced and it isn't a problem
It will cost nothing, until he/she get the actual license
It depends on the insurance company, but I personally have never known of a company that would allow a parent to continue to carry insurance on a child after that child married, because at that point, you are no longer a 'dependant' of your parents.
There are couple of options. You can get new one. You can call insurance company if you have one. Call parents or friends to see if they would help you get by without the car.
The company BTEC is a company in the United Kingdom specializing in training events. There main focus is training for teachers, students, learners and parents.
Does a 15 and a half year old with a learners permit need his own insurance policy or is he covered under the parents policy?
He is covered under his parents' policy until he gets his own car and license.
It's not usually necessary to declare you as a driver with the learner's permit. That comes when you get your license and can drive indepentently.
Simple. You'll get in trouble with not only your parents but also with the police [maybe] or the insurance company. Be Carful what you do with your parent's cars!!!
You will have to check with the insurance company. Because a person with a permit has to have a licensed driver in the car, some insurance companies will not charge anything. Others may, it depends on the company.
Answer If you have Auto Insurance and it's on your parents Insurance Plan then yes you have Insurance, but if you are on a friends Insurance Plan, I don't think you'd be covered in an accident unless that person is your girlfriend, boyfriend.
In My personal opinion parents should not have a say in who their kids are friends with. If who they are friends with get them in trouble they have to deal with the consquences. Trust that your child would choose their company wisely.
Yes, you may be able to buy life insurance on your parents and your siblings. If you are related to someone, you may have an insurable interest in them. However, there may not exist an insurable interest between you and your friends. If you rely on someone for financial support, life insurance may be purchased on that person., or if you are relatives.
Auto Insurance Required for Learners Permit? Yes, you can. A Drivers or Learners "Permit" is permission to drive and therefore a temporary license with certain restrictions. You can obtain your own auto insurance or you can be covered under someone else's policy such as your parents or the vehicle owners policy, but you must have coverage. If you are a minor and want your own policy, due to the limitations of contract law your parent… Read More
If your parents purchased a car for your 16-year-old daughter and registered it in their names how should the vehicle be insured in Virginia?
If they do not claim the teen driver on their insurance, then she gets into a wreck or otherwise gets gets the attention of the insurance company, the insurance company will terminate coverage and the parents will be required to get high risk insurance. They may also refuse to cover certain types of loss if the teen driver is not included in the policy. There is coverage for the kid that they pay and is… Read More
Can you be covered by your parents' policy if you are over 18 live with your parents out of high school and the car is registered in your name?
Yes, I have two children over 18 and under 25 who are currently on my insurance. You must go to their insurance company and give them your name etc and they will tell you how much more it is. Beware, if your parents insurance lapses or is canx, you will not have insurance either.
Check with your parents insurance company. Most states require the class just to get a license..
Hello everyone! After 2 hail storms my parents recently had a lot of damage done to their pool and gutters/downspouts. The insurance company guy came out and looked at it but the amount they are willing to give my parents for the damages is like half of what it is going to cost. The insurance company offered $2300. But 2 estimates so far for the pool alone came in at $3500 and $4000! And that's… Read More
Sure, just make sure yor parent also lists your name as an additional driver on the policy so that you can be covered to drive the vehicle as well.
Yes they can, indirectly, such as in a case of wrongful death where the deceased parents killed others by the same actions which resulted in their own deaths. In other words, the accident or incident that killed the parents also killed a child or other person, and there is reason to think that the parents committed an act of negligence that resulted in the death of others. However, you would not be suing the parents… Read More
Insurance and Learners permits Yes, All 50 U.S. states require that a driver carry the appropriate Financial Responsibility. There is No exception of law in any U.S. state for a learners permit. A Drivers or Learners "Permit" is permission to drive and therefore a temporary license with certain restrictions. You can obtain your own insurance or you can be covered under someone else's policy such as the vehicle owners or your parents or legal guardians… Read More
Can a 16 year old driver get his own auto insurance policy or must he be on his parents policy if he lives in the home with them?
A 16-year-old is not legally able to contract with the insurance company unless he has been emancipated. Which leaves him to work with his parents or another adult to acquire the insurance.
Answer I work for an insurance company and let me tell you it's best if you stay on your parents insurance for as long as you can. On an 98 MAzda it won't be as bad as a huge truck but it is still about 900-1000 every 6 months and that most of the time is just for liability only. If you are going to stay on your parents insurance have the company rate you… Read More
Auto Insurance Required for Learners Permit Yes, A Drivers or Learners "Permit" is permission to drive and therefore a temporary license with certain restrictions. You can obtain your own auto insurance or you can be covered under someone else's policy such as your parents or the vehicle owners policy, but you must have coverage. A Drivers Permit comes with all the responsibilities of anyone licensed or not who operates a motor vehicle on public roads… Read More
Their insurance company is liable to file suit against you (via your parents, who are your legal guardians). There's a likelihood of criminal charges. The law enforcement agency and the parents both have the option to press charges, even if the other decides not to. And your parents should give you the beating of your life, but nowadays that's a bit taboo.
Most health insurance companies will cover children until they are 21 years old, or until they move out of their parents home at 25, if they are still in school. This varies from company to company.
How much would insurance be for a 2002 Mustang GT I'm 17 about to be 18 still on my parents insurance I have a B plus average Been driving for a year no tickets or accidents and we have Allstate.?
call an insurance company!
If you drive your parents car but you don't live with them and you get in an accident will their insurance cover you?
Sometimes. Sometimes insurance covers whoever is driving a particular car, and sometimes insurance covers a driver no matter whose car they are driving (as long as they have the car owner's permission). You should probably check with your insurance company to be sure, or have your parents call and ask them.
A minor can not legally enter into most binding contracts As a result a parent or guardian is usually required to approve or authorize a contract by signature. So Although, Yes,, they can obtain Auto Insurance Without the parents listed as named insureds on the insurance contract, However, A parents signature will still be required on the insurance application authorizing the minor to enter into the contract.
Contact the company (or companies) that issued the policies.
His dad was a college football assistant coach, but then he started his own insurance company.
It is usually not necessary to insurance a driver who only has a permit. Often, if it is a young person, they are covered under their parents insurance. If it is an adult, then they may insure the driver.
Yes, the parents insurance does go up when you add your child even if it is only a learner's permit. If you have more questions, I would contact your insurance company.
In Connecticut you can get your learners permit when you are 16. You will have to take a written test, have your parents permission, and take an eye test.
Yes, you will.
Almost every auto insurance company requires your parents to sign your policy or for you to be listed under theirs. There are no known insurance companies who will insure a 17 year old by themselves.
The National Association of Insurance Commissioners (NAIC) recommends: If you are unsure about the insurance company or agent you are dealing with, STOP before signing any paperwork or writing a check; CALL your state insurance department - easily reached by phone; and CONFIRM the company or agent offering insurance is legitimate and licensed in the state. As a general rule - you need to be certain that any insurance company do business with must be… Read More
Are newly licensed drivers covered by their parents insurance for a certain period of time until they can set up their own insurance?
You may need to get your insurance company to add the new driver on with a rider clause to be covered. It is possible that your coverage will allow the new driver, but, some insurance companies do not allow new drivers to be on the parents insurance, They make the new driver get an insurance policy on his or her license before they will cover them in the parents car. Check with your agent before… Read More
If the teenager is added to the parents' insurance, then consent is automatic as it is the parents who make the arrangement. As to whether a teenager can buy his or her own policy without parental consent, that may vary from company to company and state to state. Is is best to check with an independent insurance agent who is authorized to speak for several different companies, and will know any applicable state regulations.