Is there such a thing as "driver insurance" where the car does not have to be insured?
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Is there such a thing as "driver insurance" where the car does not have to be insured?
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My friend is 16 and she saved up and bought a car (the title is in her name). Now she is broke and cannot afford the insurance so she does not drive it. Her step mom drives it though and she says that the car does not need insurance because she (the step mom) has "driver insurance" and any car she drives has liability coverage from her insurance.
I have never heard of "driver insurance" and I was wondering if the step mom is pulling some sort of scam (her car is frequently broken and it is very convenient to have a third car)
Can somebody tell me if this "driver insurance" exists.
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Fred C
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It is an offence to drive a car that doesn't have insurance. The step-mother's liability insurance does cover for any damages she does, that is true, but that is contingent on not knowing there is no insurance on the vehicle, as the liability you carry is secondary coverage on a vehicle that you don't own. So, there will be no coverage on the vehicle, and, if she is pulled over it will be seized and towed, she will be ticketed. If she is in an accident, she risks being denied any liability coverage based on driving an uninsured vehicle, and obviously being unable to claim for damage to the vehicle itself. Your friend should remove the plates and cancel the registration if she isn't going to be able to pay for insurance. I highly doubt step-monster will play that dangerous game without plates on the car. |
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Michael S
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The insurance might be invalid if the mother is seen as the 'main user'! Whilst the car might be covered under the mothers policy, THIRD PARTY ONLY cover would be applied. This means that the car is not insured for anything other than cover which does not pay out for damage to your friends car. |
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inkjax
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UNLESS OTHERWISE SPECIFIED, YOUR AUTO INS. SHOULD COVER YOU IN ANYTHING YOU DRIVE. STATE DEMANDED INS. MAY NOT COVER YOU OTHER THAN IN THE CAR LISTED AS YOURS .. ASK YOUR COMPANY FOR THEIR RESTRICTIONS AND COVERAGE LIMITS AND LIABILITIES. I AM COVERED IN EVERYTHING I DRIVE. GOOD LUCK WITH IT. THE COST TO COVER A MINOR OR NEW DRIVER IS ALWAYS HIGH. THE CAR NEEDS TO BE COVERED TO BE ON THE ROAD---AT LEAST IT DOES IN THE U.S.. I THINKS THE MOM IS FEEDING THE KID A FAIRY TALE TO AVOID THE COST OF INSURING HER. |
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