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 Posted: Tue May 12, 2009 2:55 pm Post subject: |
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| Well, It's dependant on whether you are eligible to drive without the State specific license. If you have a IDP (International Permit) or a foreign license valid within the period, then it will help. Also, if you have a permit, and awaiting valid license, then it should be okay. However, the insurance being a contract between the Insured and the Insurer, the latter will not write a contract unless they have reasons to trust the insured. In the cases specified above, the insurance premiums will be higher than it would have been if there was a valid license. Also note that many of the big Insurance co do not write a policy even for a new driver with valid drivers license of less than 3 years. Hope this helps |
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smith123
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| Posted: Wed May 13, 2009 1:45 am Post subject: insurance |
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| Yes...this does help ME understand a bit more. Thank you. I DO understand why some may be at 'high risk' to get Insurance policies ( 'new' drivers, drivers with alot of 'points' on their DL, etc.). |
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sdchargersfan
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| Posted: Wed May 13, 2009 3:44 am Post subject: |
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| Well, the answer is straightforward. Insurance is a contract, and no reasons to guess that unless one has a good driving history, the carrier is at a risk when it writes a policy. They look for the driving history, the responsibilities, the background and so many things. A good driving history of 3 yrs or more, a married person (assuming has more responsibilities and would like to drive safely), a professional, and some other factors add to the driving score which inturn has the effect of mitigating risk. Hope this helps. |
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smith123
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| Posted: Wed May 13, 2009 3:44 am Post subject: |
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| I think this message got repeated from the earlier. So I am changing the contents |
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smith123
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| Posted: Mon Aug 10, 2009 10:38 pm Post subject: Auto in my name & a friend |
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I recently bought an auto & put my name on the title with a friend, there is no lein on the car. Now the friend has a suspended license & no car insurance on the car but refuses to give the car back to me so I can turn the license plate in until she can get her driver license back & car insurance on the car. I don't drive this car but made the mistake of getting the car in my name also. In Kentucky we cannot get a name off the title until both parties agree & then she would have to have car insurance or turn in the license plate for me to put it in her name and she refuses to do this and is still driving the car. I don't have insurance on the car either since she is driving it, I have my own car with insurance on it. What do I need to do to get her to stop driving this car? I have the title in my possession, but not the car. thank you
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anonymous d1
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| Posted: Tue Aug 11, 2009 9:50 am Post subject: |
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you must really have a drivers license.
(links deleted by Moderator InsTeacher per Terms of Use) |
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jhonny
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| Posted: Tue Aug 11, 2009 10:02 am Post subject: |
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| Quote: | | In Kentucky we cannot get a name off the title until both parties agree |
Thsi is true. I use to live in Kentucky. My husband (..at the time) and I had a vehicle in both names (the Title, I mean). He wanted to ell it and get a "more expensive car." ( I really don't know why, since the car we had was just fine for now). Anyway..he tried to sell it from 'under my nose'. Yep...............I refused to take my name off of the Title. Too make a long story short, it couldn't legally be sold that way. |
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sdchargersfan
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| Posted: Wed Aug 12, 2009 12:53 am Post subject: |
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| Have you tried contacting the state police "anonymously" and asking what your options are in this matter. Maybe even a trip to the courthouse could help you. If you would report her maybe since she is the one driving it she would be the only one held responsible. I would make as many calls as possible before she does get in an accident and it effects your life. |
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fireyone
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| Posted: Wed Aug 12, 2009 11:44 pm Post subject: insurance |
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| Mmmm..........obviously your friend can't drive legally. And, if the friend DOES get into an accident, the OTHER Insurance Co will go after you. So..........yep, I would be making some calls. I know you don't want your friend arrested, but, you may not have a choice. |
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sdchargersfan
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| Posted: Thu Apr 08, 2010 1:06 pm Post subject: owning a car w/o license |
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my mother does not drive, never had a driver's license. my father passed away. can she still own the car, buy insurance and have someone drive her around in that car when needed?
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lostinspace
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| Posted: Mon Apr 12, 2010 3:33 pm Post subject: |
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In Illinois and Indiana a person who has never been licensed in the US can buy insurance and in fact they do quite frequently. You may ask your self "Why do they want Ins if they don't have a license?"
If they get pulled over, they will get a ticket for not having a valid drivers license, if they have no insurance they will gtet an additional ticket for driving without insurance. Having the Ins gets them out of a potential 2nd or 3rd ticket. |
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AxeVictim
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| Posted: Fri Jul 02, 2010 5:42 pm Post subject: |
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well i dont know if in my state lets us do that i just had that questions?  [/u]
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d.s860
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| Posted: Sat Jul 03, 2010 4:40 pm Post subject: insurance |
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| Well....I don't think you can force your friend to stop driving. But, you DID say that YOU don't have the car insured,..so..your friend is driving without Insurance..correct? Some (auto) laws, in Kentucky, can be tough. Is it possible you can talk a Lawyer, in your state, explain everything, and 'so from there'? I would like an 'update', on this issue. (Just very curious what you find out). |
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sdchargersfan
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| Posted: Mon Nov 29, 2010 1:36 pm Post subject: auto insurance |
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I need to get a car that I've been given signed over into my name, but to do so I have to insure the car. I am temperarily without a license. Can I get the insurance so my fiance can use the car. Pa. Driver.
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peabody13
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| Posted: Mon Nov 29, 2010 2:34 pm Post subject: |
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The "legal owner" of a motor vehicle may insure the vehicle with or without a driver license (think of a corporation that owns vehicles). However, without a driver license, you may not be listed as an insured driver. Your fiancee may be listed as an insured driver, your next door neighbor may be listed as in insured driver. The driver with the "worst" insurability will largely affect the rate for the coverage.
Since it may be unlawful to operate an unregistered motor vehicle on a public highway, and in most states one is required to insure a vehicle in order to register the vehicle, do not plan on operating the vehicle without either insurance or registration.
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MaxHerr
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