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Can a 16 year old drive parent's car without insurance?
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Can a 16 year old drive parent's car without insurance?

I am 16 years old, I already got my license for about 3 months. I do not have a car but I drive occasionally, using my sister's or my mom's car.

One day, I drove my mom's car to school and my dad was very upset. He claimed that I can not drive her car because I do not have insurance yet. (There is insurance on ALL cars except my NAME is not on it). Since my name is not on the insurance, can I still drive her car?


    




2010-04-08 04:09:47 +0000
If you drive any vehicle in your household (registered to the same address) and you are not specifically listed on insurance there, you are likely NOT covered. That is a fairly standard rule for insurance. If your sister lives at the same address and you are not listed on her insurance, you are likely not covered by her insurance either. So if you get in an accident, you probably are not covered and that is why your dad was so upset.


2010-04-11 02:29:01 +0000
I think it depends on the state, but usually it's the car that's insured, not the person. So, if you let your friend borrow your car, and he gets in an accident, it should be covered. Although if you are regularly driving the car, you should be added to the policy. To be safe, talk to an agent.


2010-04-08 02:32:48 +0000
It is more than likely illegal where you live to drive without insurance. Just because the car is insured for one or two people does not mean it works for the entire family.


2010-04-08 02:33:45 +0000
Rating
no, your name has to be on the insurance


2010-04-08 02:33:35 +0000
Rating
It doesn't matter if you're 16 or 60, driving uninsured is illegal.


2010-04-08 02:35:36 +0000
Rating
Technically you CAN drive the car, but I think your father means it as his own rule, because if you get in to an accident & you have no insurance, it's a whole hell of a lot of money! Plus the fact that you JUST got your license, & you're not an experienced driver, it puts you in more risk of having an accident. then not only do you have to pay to get your car fixed, but for whoever else's car you wrecked, or whatever else you hit.

I didn't have insurance for a few months after I got my license, & my mom hardly let me drive either. Just make sure to remind them constantly to put you on the insurance until they do


sharron
my daughter has just turned 16 and has her L's. When i rang AMMI she is covered on my insurance till she is 16.5 when she will go for her P's. However, once on her P's she will then need to have her own insurance. There is safe driving test ran by AMMI in every state except W.A. which they can complete once they have their P's and the insurance is 10% cheaper.





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