Does a driver need insurance?

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PostPosted: Wed Dec 31, 2008 12:07 am   Post subject: Does a driver need insurance?  

If my car has insurance does the driver need to be insured too?


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jimenez4#
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PostPosted: Wed Dec 31, 2008 6:24 am   Post subject:   

If you allowed them to drive, then they have insurance. Yours.

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PostPosted: Wed Dec 31, 2008 6:41 am   Post subject:   

The driver is required to carry liability insurance upon him. The liability coverage would protect him from probable lawsuits if he causes damages to others. If this is what you want to know then ‘Yes' the driver too needs to be insured.



Needless to say that the liability coverage also covers the driver when he is driving other's car. in fact, without liability coverage you would be considered as uninsured.

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PostPosted: Wed Dec 31, 2008 6:49 am   Post subject:   

Yeah, if you are allowing other people to drive your vehicle then they should ideally be listed in your plan. However, if they are not listed then they would be considered as permissive drivers and will be covered by your plan. Anyway, if I was you, I wouldn't have let someone to drive my car who has no insurance.



Hope I was helpful.


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PostPosted: Wed Dec 31, 2008 11:15 am   Post subject: insurance  

I have a neighbor who constantly asks me if she can drive my car. She DOESN'T drive ( 'physically' capable to, however, she doesn't) and she won't 'come straight' with why she can't. She SAYS she ahs a DL's. I don't even know THAT for sure. Either way,....just to be safe, NO WAY will I let her drive my car. It's the only transportation I have.

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PostPosted: Wed Dec 31, 2008 11:18 am   Post subject:   

OP your car insurance covers anyone you allow to drive your car. unless they are excluded in your policy.



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PostPosted: Wed Dec 31, 2008 11:28 am   Post subject:   

Quote:
However, if they are not listed then they would be considered as permissive drivers and will be covered by your plan.


Then, is there any difference in coverage for those who are permissive and those who are enlisted?

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anonymous00
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PostPosted: Wed Dec 31, 2008 11:30 am   Post subject:   

no there isn't but if you have someone living in your household, or someone that regularly drives the vehicle they must be listed as a driver on the policy...the type of coverage for the driver we are talking about in this thread is for the occasional driver...you loan your car to me for the day type of thing...anyone in your household must be listed as a driver on your vehicle or one of their own..



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PostPosted: Thu Mar 19, 2009 3:49 pm   Post subject:   

my son does not live with me, but do i need to cover him in my insurance for him to drive my car?


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PostPosted: Thu Mar 19, 2009 8:05 pm   Post subject:   

Quote:
my son does not live with me, but do i need to cover him in my insurance for him to drive my car?


No, not if he just occassional drives it...if it is available and he uses it regularly then you should..does the title and all paper work have your address as well? and your boy is not on any of the paper work?


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PostPosted: Thu Mar 19, 2009 11:20 pm   Post subject: insurance  

That's kind of the same question I have, too, LORI. When my son starts driving my car, does HE need a policy of his own,..OR..is he 'covered' under MY policy? I'm getting a few 'conflicting' answers to this one.

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PostPosted: Fri Mar 20, 2009 5:32 am   Post subject:   

He certainly needs to be insured, SD if he is going to drive and its said that the cheapest way to insure a young driver is by adding him to the parent's policy. And, since he is going to drive your car, you definitely need to be preempt in disclosing it to the insurance company.

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PostPosted: Fri Mar 20, 2009 9:43 am   Post subject:   

Quote:
my son does not live with me, but do i need to cover him in my insurance for him to drive my car?




I think if your son regularly drives your car you should cover him. Otherwise PIP will cover your son unless you have purposefully listed him out. Any injury to someone driving your car with your permission will be covered under PIP. So even if your son doesn't live with you if he is a regular driver get him insured.

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PostPosted: Fri Mar 20, 2009 10:06 am   Post subject:   

Quote:
When my son starts driving my car, does HE need a policy of his own,..OR..is he 'covered' under MY policy? I'm getting a few 'conflicting' answers to this one.
SD your situation is different as he's a memeber of your household...he doesn't need his own policy unless he has a car.. he will/does need to be added to your vehicle as a driver when he gets his license...


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PostPosted: Fri Mar 20, 2009 10:22 am   Post subject: insurance  

Thank you, ALL, for your advice. Yes...my son DOES live with me. He's not driving yet, but, I just wanted to know the best 'route' to go when he DOES start driving. Laughing

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