i just got my lincense and now im not sure if when i drove my parent car and some how i had an acciddent does my parent insurance cover me and the car for the accident or no ? because the car insurance is in my dad name….
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April 2, 2010 @ 11:44 pm
Yes. The insurance covers the car no matter who is driving it. If you live in the same house as your parents, or normally borrow their car, they are “supposed” to report you as an additional driver so the insurance company can suck money out of your pockets.
So yes you are covered, but be careful anyway.
April 3, 2010 @ 12:16 am
It usually depends on whether or not your parents added you to their policy, but that could vary from insurance carrier to insurance carrier, and from state to state.
Different states have different laws regulating insurance.
April 3, 2010 @ 12:48 am
As an inexperienced licensed driver and a household member, most insurers require that you be added to the policy. Your parents will likely have an increase in their rates. Your insurer has a right to deny any claim including collision and liability claims(some states require the insurer to pay the compulsory limits). You should read the contract.
However, if you use a friend’s vehicle with their permission and you are not a regular user, then you are considered an “insured driver”.
April 3, 2010 @ 1:35 am
Yes, assuming they have added you to the policy as they are supposed to do when you get your license. Most policies will cover occasional drivers, but not minors living in the same household unless added.
April 3, 2010 @ 2:18 am
if you put the person’s name on the policy then the insurance shold cover it.
April 3, 2010 @ 2:37 am
Cars are insured, not drivers. If you have permission to drive an insured car, you and the car are covered. If you live with your Dad You should be listed on his policy but even if you are not listed and drive the car and are in an accident, his insurance MUST, by law, pay but they will then cancel him. (Oklahoma tom is wrong when he says they won’t pay if a household member is not listed) The reason the insurance company insists that all household members be listed is because they must pay if anyone in that household drives that car… It’s the law !