by jpwarlick » Sat Dec 04, 2010 08:50 pm
My car is a stick and she only knows how to drive an automatic? Can She just get insurance on her drivers license until she gets another car? She is 17 and we live in NC.
Posted: Sun Dec 05, 2010 01:45 am Post Subject:
Can She just get insurance on her drivers license until she gets another car?
No idea what this means.If she is not going to drive any vehicle, why does she have a drivers license? Exactly! She _IS_ going to drive.
You need to be concerned about two things... lying to the insurance company about her being in the house with a drivers license and also if she drives without being listed on an insurance policy.
Posted: Sun Dec 05, 2010 10:21 pm Post Subject:
The fact that your daughter cannot drive a vehicle with a manual transmission is not a reason for her not to be insured under your policy. You signed a financial responsibility statement in order for her to get a driver license. If she drives someone else's car and causes a collision, you could be exposed to the damages she causes.
Get her covered ASAP!
Posted: Mon Dec 06, 2010 05:01 am Post Subject:
If she drives someone else's car and causes a collision, you could be exposed to the damages she causes.
There's no doubt that you could be responsible at that. It's time that we teach our teenagers to be responsible. They should know the state insurance rules and the reason behind them. You should be able to explain to her the reason why we have insurance rates raised for our teenagers. Some of our teens would work and pay for their own insurance, and that's one good reason for them to become more responsible gradually.
Posted: Thu Dec 09, 2010 09:51 pm Post Subject: Reply to tcope
You can insure your Drivers License if you don't own a vehicle. My brother did this many years ago in Tn. It cost him $25 a month. I know most of the laws involving insurance and I abide by them. This question was about my boyfriends daughter and he wanted me to inquire. I do know that she will not be driving his truck.
Posted: Thu Dec 09, 2010 11:17 pm Post Subject:
You NEED to have a policy that insures other people driving your car. I know that in NJ it's a general thing. My mother in Law got it and it was a good thing she did because her son was driving her car and got into an accident (he was not cause the accident). Anyways, the insurance company couldn't give her a hard time that someone else was driving her car because she had insurance that allowed anyone to drive her car. Not only was SHE insured, but the CAR itself was insured... But that costs more anyway.
There is something I've heard about that is called "bonded insurance". From what I understand, its insurance for you as a driver so that no matter what car you are in, you are insured. Although I'm not sure that is available in every state, so check with an insurance provider.
However, if your daughter cannot drive stick or cannot grasp the concept of driving stick (which a lot of people have a problem with) I don't know if you want her driving your car. She could ruin your tranny. When I was learning stick I had a problem with stalling out and stopping. Sometimes the car wouldn't stop right. So if she has that problem she might slam into the back of someone else.
I can tell you that some insurances ask you how many people live in your home and if those people will be driving your car. DO NOT LIE TO THESE PEOPLE! If you say that she will not be driving your car and she does, and GOD FORBID she get in an accident, EVEN IF IT'S NOT HER FAULT- YOU will get into a lot of trouble. They might even drop you and make other companies leary of insuring you.
Posted: Thu Dec 09, 2010 11:19 pm Post Subject:
I also forgot to mention that if she is under 18, or your states required age, and she get in an accident driving someone's car- YOU COULD GET SUED!
Posted: Fri Dec 10, 2010 03:26 am Post Subject:
There is something I've heard about that is called "bonded insurance". From what I understand, its insurance for you as a driver so that no matter what car you are in, you are insured. Although I'm not sure that is available in every state, so check with an insurance provider.
Every state in the US offers a "Personal Auto Policy". That's what people who own cars have -- if they have insurance -- and they usually include their spouse and children who have driver licenses on the policy. A Personal Auto Policy covers all named insureds no matter what car they are driving, including rental cars (but usually not pickup trucks or commercial vehicles).
A person who does not own a vehicle can obtain auto insurance to cover them when they drive someone else's car, including rental cars. It's called "Named Non Onwer"
As for "bonded insurance" -- never heard of it. A person can be "bonded" or "insured" or "bonded and insured." But "bonded insurance"? It does not exist.
Just another reason not to take too much advice about insurance from someone without an insurance license.
Posted: Wed Dec 15, 2010 09:28 am Post Subject:
If she is a licensed driver living in the household she need to be rated for as a driver.
Posted: Wed Dec 15, 2010 06:44 pm Post Subject:
If she is a licensed driver living in the household she need to be rated for as a driver.
She may be EXCLUDED instead.
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