insurance?
cj asked:
If Im 17 and have my license, can I drive my friends car with insurance? or do I have to also have it?
If Im 17 and have my license, can I drive my friends car with insurance? or do I have to also have it?
Tags: Car Insurance, Friends, Insurance
April 20th, 2010 at 9:06 am
The car is what is insured, not the driver, so you can drive anyone’s car that is registered (has a current license plate) and has insurance on it. The required insurance is to protect OTHER PEOPLE if that car hits it. Any other insurance is optional.
April 21st, 2010 at 3:48 pm
As a licensed insurance agent, I have to speak up here. You can drive any car with permission from the car owner. However, are you legally covered by someone else’s insurance if you have an accident? If it’s your parents’ car, and you are on the policy, yes. If it’s your friend’s car, and you are not on the policy, then no.
In the event of an accident, and you are not covered by the policy on the vehicle, either you will have to pay the damages not covered by the policy owner’s insurance, or your parents’ insurance will have to pay. It’s a sticky situation, and if you have an accident, it can become an insurance nightmare. Best bet–don’t drive a car with insurance that you are not covered by the policy.
For more information on the insurance industry, go to my site and get your free consumer guide to the insurance industry.
April 23rd, 2010 at 10:02 pm
I have to disagree with Joe- I also am a licensed insurance agent. The insurance stays with the vehicle. So if you drive someone else’s car and get in to an accident their insurance will cover the damages up to the policy limits.(assuming you have not been excluded from their policy). Now if they don’t have enough coverage then your parents, your friend (or their parents) can all be sued.