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 Posted: Sun Apr 19, 2009 10:34 pm Post subject: *must i be insured on a vehical i dont own? |
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| Do i have to be insured on a relatives vehical? |
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mrfish210
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| Posted: Mon Apr 20, 2009 12:04 am Post subject: |
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| Depends, in some (maybe all) states if you live in a home where there is a vehicle even if it is not yours and you dont drive it the insurance co will put you on the policy of the vehicle and owner as long as you have a license and dont have insurance of your own. This is of course if they know you live there and have a license. |
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Chad
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| Posted: Mon Apr 20, 2009 4:28 am Post subject: |
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You may have to be on the policy if you live with the relative and you are a licensed driver. Since a policy covers the vehicle rather than the drivers, most insurance companies require that all licensed drivers be listed on the auto insurance policy or sign a waiver saying a certain driver will not be driving a vehicle. in this case, the insurance company wouldn't have to cover the driver who signed the waiver.
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justong
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| Posted: Mon Apr 20, 2009 4:45 am Post subject: |
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Mr. Fish, Chad is right that you need to be under the policy of the owner if you're staying in the same household. However, if you're not residing with them you can avoid being listed on their plan.
However, if you have plans to drive their car frequently, you may consider obtaining non-owners insurance for yourself. This coverage isn't very expensive but would keep you covered for liability. Also it'd make the owner more confident to let his car to you. |
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JeremyHolter
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| Posted: Mon Apr 20, 2009 5:08 am Post subject: |
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| Quote: | | Do i have to be insured on a relatives vehical? |
Well, I think you have provided us with limited information only. The other posters have presumed that you have a valid license and is allowed to drive in this country. However, it'd be best if you can let us know more about your situation, like-the status of your license, state of residence and so forth.
Hope we would be in a better position to guide you with more input. |
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jeorge
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| Posted: Mon Apr 20, 2009 5:24 am Post subject: |
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Hi Fish, do you own a car? Do you have insurance on it?
I'm with Jeorge, more information is required in order to give better replies.
Now if you're an insured driver, then you may not need to list yourself with the relative's policy. You'd be covered under your policy for liability, personal injury and uninsured coverage.
Thanks,
Rupert |
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RupertWBradson
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| Posted: Mon Apr 20, 2009 10:47 am Post subject: insurance |
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| I had my POA on my auto Insurance. I removed her so I could add my son. If I removed my POA/good friend from my Insurance, can my POA LEGALLY drive my vehicle? If I have BOTH on their, my Insurance premium would be pretty high. |
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sdchargersfan
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| Posted: Mon Apr 20, 2009 12:24 pm Post subject: |
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| Quote: | | If I removed my POA/good friend from my Insurance, can my POA LEGALLY drive my vehicle? |
SD I can drive your car and be covered ANYONE can drive your car with permission and have coverage, I'm not sure why you would've had your POA on your vehicle at all, ever...unless she lives in the same household or regularly drives your vehicle...there would've been no need to have her as a listed driver....anyone you give permission to drive your vehicle has coverage under your policy as an insured driver.
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Lori
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| Posted: Tue Apr 21, 2009 9:22 am Post subject: |
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| Quote: | | Do i have to be insured on a relatives vehical? |
It really depends on yourself. Do you drives your relative car often? If yes, it is better to purchase a "third party owner insurance" which cover the car damages during an accidents even that the car is not drives by the owner. Of course the premium for the insurance is more expensive than the "first party owner insurrance", but then it is worth it if you always driving your relative cars. |
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eddielkk
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| Posted: Tue Apr 21, 2009 11:26 am Post subject: |
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| Quote: | | "third party owner insurance" |
What? Never heard of this...eddie, what state sells this and why? I don't know how you could have a third party owner? That is NOT an owner? (ie relative or friend driving vehicle) please explain this better for us, with maybe links to support this product...I've heard of non-vehicle owner policys that some states allow/sell, but never a third party owner.
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Lori
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| Posted: Tue Apr 21, 2009 11:34 am Post subject: |
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i think eddielkk want to say third party investigator!! Even sometimes third party administrator term is also used in insurance related jargon.
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amit
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| Posted: Tue Apr 21, 2009 11:39 am Post subject: |
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| Quote: | | i think eddielkk want to say third party investigator!! Even sometimes third party administrator term is also used in insurance related jargon. |
But what sense to those terms make re: this thread? re: carrying a separate auto policy on a vehicle you drive occasionally? or even regularly ? This doesn't make any sense to me.
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Lori
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| Posted: Wed Apr 22, 2009 3:19 pm Post subject: |
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| Quote: | | What? Never heard of this...eddie, what state sells this and why? |
I haven't heard of such a thing in the US. Eddie, a non-owner insurance is a known thing. We'd certainly expect you to clarify.
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anonymous00
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| Posted: Thu Apr 23, 2009 11:43 am Post subject: |
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| Quote: | | i think eddielkk want to say third party investigator!! Even sometimes third party administrator term is also used in insurance related jargon. |
Still meaning what amit? What (as it pertains to this thread) do third party administrator or third party investigator mean? Clearly a 3rd party administrator would be (to me) a non-connected party that is administating something, and a 3rd party investigator would be a non-connected (to either party) person that is investigating something...but again WHAT does that mean re: this thread?
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Lori
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