Best Answer

If you read the policy under "definitions" (usually at the beginning of the policy, an "Insured person" includes you or a relative...or any person operating the vehicle with your permission. Your spouse is automatically included, regardless of "permissive use." Since the policy automatically affords such coverage, the underwriters base your premium on such factors as; teenage drivers in the household and driving/accident history of all family members residing with you. Keep in mind; In the event one of your family members took the car without your knowledge, your insurance company is going to cover them in the event they hurt someone else while operating that car.

User Avatar

Wiki User

โˆ™ 2006-02-09 08:47:20
This answer is:
User Avatar
Study guides

Create a Study Guide

Add your answer:

Earn +20 pts
Q: Why do you have to add family members to the insurance of a sports car that they will not drive?
Write your answer...
Related questions

If you have a family car and an expensive sports car that only you will drive what type of insurance or insurer will cover the sports car?

If you already have insurance on the family-car, then you can put the sports car on your insurance and tell them you will be the only driver of the sports car. Make sure no one else gets caught driving the car by the insurance company (wreck, etc.). Or look in the yellow-pages in your phonebook, and call several car insurance companies. They should be able to tell you. Always call 3 or more places to get the lowest deal you can, depending on what plan you want or qualify for.

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.

Can you get car insurance to drive a car of someone in your family if you dont have a car?


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.

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.

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.

How many people can a 16 year old drive in Ohio?

1 non family member. unlimited family members

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.

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.

In New Zealand can a person on their restricted license drive younger family members?

You can only drive with siblings that live with you, but i am not sure on the guidelines to that.

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.

Can Out-of-state college student coming home for holidays drive family car?

I wouldn't see why not. Insurance will cover any accident she has, only because she is family.

How many miles does the average family drive by car per year?

The average American family drives their car 15,000 miles per year. The more you drive your car, the more your insurance company will want to charge you.

Who offers the best car insurance in Virginia?

American Family for reliability and insurability. TheGeneral for affordability and legal to drive purposes.

Can someone who drives with no insurance drive with someone who has insurance?


Why a family member is resticted in auto insurance?

Some insurance companies will require policyholders to sign a driver exclusion for family members if you claim the individual does not drive your vehicle. If the insurance company has previously paid a claim for an unlisted driver, they may require that you list the driver on your policy or sign a driver exclusion that restricts that driver from driving your vehicle. If a resident of your household has tickets and accidents and is not rated on your policy, the company will require a driver exclusion to prevent increasing your policy if they are rated.

How do you drive to trade in your car at a dealership without insurance?

If you live in the US, it is illegal to drive without automobile insurance. It is advised NOT to drive without insurance. make them tow it or they can put their dealer plate on and let them drive it

You live with your brother can you drive his vehicles under his insurance?

I live with my brother can I drive his vehicals under his insurance?

Can you drive a car that is not insured but you have insurance in the UK?

In the UK you must have insurance that covers you to drive the car in question.

Can a member help Can he be sent to rehab?

Well, it is high recommended that family members help their family members with drug addictions lose their drug addictions by sending them to rehabs. However, the results solely depends on the patients' motivation and drive.

Can I drive without vehicle insurance?

Yes, it is illegal to drive without insurance or without having sufficient insurance in Arizona. You will have 30 days to provide proof of insurance following an accident.

Can a convicted felon on probation drive without insurance in Minnesota?

No. It is not legal for anyone to drive without insurance in Minnesota.

Can a 16 year old with a learner's permit drive without insurance?

Yes but when you get your operator`s license you would be charged with insurance and you can not drive without insurance

Do you have to get car insurance as soon as you get your license or can you just drive your parent's cars without an insurance of your own?

You need insurance if you own a car. As long as you are living with your parents and driving a car titled to them (even if it is "your" car), you just need to make sure you are listed on their policy as primary driver of your car and an occasional driver of the other family cars. They might save a dollar by having you EXCLUDED from the family car, but then you would have no coverage if you were to drive it.