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| *Vultures Knob>>>Bike Insurance |
Do I need to be added under my parents insurance policy to drive? |
I just handed in my bike permit, for a CT state Driver's License. In order to drive my parents' cars, do I need to be insured/added to my parents' insurance policy? We have two cars. Both cars are insured and registered with the DMV. As a new license holder, my insurance would be sky high if I were to be added to my parents' plan. If I went solo, without being added to the plan, can I drive my parents' cars by myself? You don't have to be added to the policy. I assume you will be driving your parent's vehicles. As long as you have permission to drive their cars, you are a "permissive user." So you would have full coverage. However, if the insurance company finds out there is a "youthful driver" in the household, they will want to add you to the policy. That's really just for rating purposes (so they can charge more premium). Some insurance companies will run all their insured's addresses through a database with a DMV vendor, and search for all licensed drivers in each household to make sure that everyone is listed and accounted for. If the insurance company ASKS for the names of all licensed drivers in the household, you should give them a truthful answer. If they don't ask, then fine -- you're free to keep driving, and you can stay under the radar as long as you don't have any accidents, or they don't ask your family to list all licensed drivers in the household. Just remember, as a permissive user of the vehicle, you have full coverage. Adding comment by edit --- I disagree with "Jifr." But since insurance laws vary from state to state, I will qualify my answer. My answer would be true in the following states: Minnesota, Wisconsin, Iowa, North Dakota, South Dakota, Montana, Washington, Utah, Idaho, Oregon, and Arizona. I suspect it is true in most other states too, but these are the states I am currently working in. Since we are using standard ISO or AAIS insurance forms, which are also used across the country, I suspect this is pretty standard industry-wide. But certainly there could be other states that have some weird anomoly that is different from the majority of the states. The only state that matters to you is the state that you live in. The answer could be completely different for different states. Source(s): I'm an insurance claims adjuster. yes add it to ur parents insurance if you don't have a car then put like ur drive the vacationaly the insurance will much lower It would be smarter to be added to your parents insurance. The rates would be much lower than if you tried to get it in your own name. You can do this as long as you are a dependent of your parents and you either live at home or a student. Good luck and drive safe. there can only be one automotive insurance plan on a particular vehicle ....so no, to drive her vehicles you have to be on her insurance policy or be 25 years old or older You have to be on your parents' plan to drive legally, or have your own car and own insurance, which is much more expensive. hi........ to get your doubts cleared regarding insurance policy visit the web site....... http://autoinsuranceinfo.50webs.com... http://freewebs.com/autoinsuranceinfo... |
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