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Zack C | Car insurance question? |
i just got my liscence in pennsylvania, so how many days u have until u have to have insurance?
and since im 16, insurance rate are like crazy, and i wont drive so often, (like once a week) so are u legally allowed to not get an insurance and when get into an accident, say that my parents gave me permission to drive, and will their insurance cover me? |
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Gambit
 |
Little unclear on what you mean so I will cover two situations:
If you mean that you are driving a vehicle owned and insured by your parents, and you are driving it with their permission but not as a listed driver under their policy, the insurer will do one of two things: a) Deny the claim since your parents failed to disclose a material fact i.e. driver in the household who doesn't have their own vehicle, and possibly cancel the policy (likely scenario), or b) Pay the claim and add you to the policy and bill your parents (possible, though not likely).
If you mean can you drive around in a vehicle you purchased and drive around without insurance and then try and get your parents' insurance to cover a claim, then no it won't be covered. |
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jimmer j
 |
Not so fast.
Since you are licensed, you are required to be on the policy. If you don't and have a wreck, more than likely your claim will be paid, but the insurance company will either cancel out your parents insurance or charge them back pay premiums from when you first got your license. You can go under their insurance, however. Welcome to life. |
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nac7149
|
Your parents have a contract with thier insurance company. And in the contract they have signed that they have disclosed all legal drivers. So when you turn 16 they must diclose you to thier insurance and either decide to add you the policy, which means you will covered if driving thier vehicle. Or they will need to exclude you from the policy, which means you are not covered to drive the vehicle. If they do nothing and you get in a wreck while driving anyone's car you may not be covered. |
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TTC #2 Baby Dust MEEE!
|
you have to have insurance on a car BEFORE driving it
having your license doesnt mean anythign if your in a car you better have insurnce or youll be walking home from were your stopped |
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bud68
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You are required to have insurance before you drive AT ALL. Either your parents must add you to their policy or you need your own. |
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Mike G
 |
hello,
if you want read something about car insurance
i just come accross this blog which may help you
http://the-online-car-insurance-quotes.blogspot.com |
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