If someone is driving a car, does the car have to be insured or the driver?

Insuranceman

In most States, you can be a "permissive" user and be covered under someone else's car as long as you have a valid drivers license and have their permission to drive.

I wouldn't make a habit of it but you should be alright. If you drive on a regular basis, why not have your friend add you as a driver on their policy?

In some cases you might get a ticket, but, you can normally have their insurance agent type a letter to the court and they shuold dismiss the citation.

Good luck and I hope this helps!

JOHN

Listen, quit messing around with technicalities. The driver of the car, owner or not must show proof of insurance. Not to mention if they get into an accident. I bet you get stiffed

CAITLIN

It depends on the state. Some states insure the car and anybody who drives that car is covered. Some states insure the driver and any car driven by the driver is covered under the policy.

In NJ, where I live, the driver is what is insured. Insurance in NJ follows the driver from vehicle to vehicle so I can rent a car without having to take the rental company's insurance. The rates are based on the primary vehicle being driven. Once the driver is covered, damage to the vehicles listed as cars owned by the driver are also covered but even if the person doesn't own a car, if they have a license, they need insurance because they could still drive somebody else's car.

However, if I loan my car to an uninsured driver, they will temporarily fall under my insurance and any damage they cause will be covered by my policy.

Stephen K

The car must carry insurance, and you need to show you yourself have insurance.

If names don;t match up, you have some explaining to do

liza

the vehicle needs to be insured

gomanyes562

It depends on the insurance policy.

Most policies cover adult, nonrelative guest drivers.

rhsaunders

Normally, the car is insured. A driver with owner's permission is normally insured. If one were stopped, the officer might try to call the owner to verify that the driver had permission.

tonalc1

The car is insured, and the covered drivers are listed on the policy. Some policies allow unlisted adult drivers to be covered.

Babs

I insure my car and myself as the driver. If you aren't listed as a driver on insurance that is not in your name then you're uninsured.

lipstickcloud

It probably depends on what the policy says, but usually if the car is insured, an adult with a license driving the car is covered, as long as it's not a household member of the insured.

All Knowing

If you are driving a car and you are not on the insurance, you can get a ticket for no insurance. The car might be covered but you are not.

thethingzuneed

the car is insured!!

If a driver showed insurance and ownership under a differnt name, that would be fine. You can let someone else drive your car. Like my dad takes my car registered and insured
in my name all the time.

This is why it is called CAR insurance, and NOT driver Insurance.

of course rules may vary from place to place. Better check and make sure.

Hector R

the car. But the driver will not be covered if the driver is not eligle to drive. For example, having a suspended license or underage

PeppermintandPopcorn

It really depends on your insurance company. Generally, insurance follows the vehicle. However, your insurance company may deny the claim based on the number of times the operator drives the vehicle.

Better safe than sorry, add the driver to the insurance policy.

r c

the car in california must have a certicate of insurance inside

the car is insured...the driver is liscensed

ladystlight1

Hopefully the car wasn't stolen !!
Was the registration and insurance in someone elses name? Or was each of them in a different name? You need to make things more clearer for the right answer.
This is nationwide law: ALL cars on the road have to be insured. You can't get in a car with say the insurance from your moms car and drive someone elses car. Know what I mean?
If you are the one that got pulled over and handed the cop an insurance card that doesn't match the car that you were driving and have no proof of insurance on that car; you are going to get a ticket for no insurance and in turn is going to piss the person off that owns the car because when they go to insure the vehicle it is going to be a higher rate !!!

Ryann

First it depends on the State, some states do not require insurance. If the car is insured usually it covers whoever is driving the car. If you have a car that is insured and are driving someone Else's car (that does not have insurance, or you are not covered on that insurance) your insurance may have to pay if there is an accident. If registration and insurance are under a different name it should not matter as long as you have permission to drive the car.

Tio Paco

In California it is possible to have both the car and the driver insured separately. Some drivers can carry their own insurance that covers them for any vehicle that they are licensed operate, but for the non-commercial driver, showing proof that the car is insured is the norm. BTW you must be included in the coverage(ie,as a part-time drive of your mom's car, etc.) in order for it to be in effect, otherwise, you're un-insured, and can be sited

mbrcatz

Typically, only the CAR needs to be insured. If a driver isn't covered under the owner's policy, and the driver cracks up the car, the owner is SOL on the car, and the driver and owner are BOTH liable for any damage to someone else or their car.

If the registration is in one name, and the insurance is in a different name, the car is going to be considered uninsured.

sunlightsublime

the car is to be insured. the person driving should have a driving licence in his name even if the car is not his.

AmberLynn

In Illinois, the CAR is insured. If I have full-coverage, ANYONE IS INSURED TO DRIVE. If I have liability, only I am insured to drive it. Here, PEOPLE dont carry insurance, the car does.

Jack M

Yes, The car needs insurance.

I am sure the officer would check the database to see if the car was stolen. If not there should and would be no problem.

Weather the Insurance company would cover that driver is different from company to company.

UCANTCME

THE VEHICLE WILL NEED TO BE INSURED.

Miss Motor Mouth

The insurance would need to be full comprehensive to cover uninsured drivers in order to cover someone who does not have insurance on their own.

candyperfumegirl

the car for damages to other vehicles and lives

the driver for his own medical treatment in an accident

in short, to have both is best.

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