If you’re asking if your friend can simply borrow your car periodically, and you carry utter coverage and liability on the car, then yes, you should be okay.
Car insurance goes after the vehicle, so even if your friend has his own coverage and had an accident while driving your car, your insurance would still be primary.
If, however, you’re talking about permitting your friend to drive the car all the time, on a daily and/or regular basis, you could face problems if you don’t let your insurance carrier know that your friend is using the car all the time. This is because the premiums you pay are based on you as a driver, not your friend.
Can you buy a car in Texas without having a drivers license?
you did’t say wether used or fresh,I have bought used cars and trucks without a lic.but they were paid for in cash from private owners,if you buy a used or fresh car from a dealership or car lot than you need a lic. to do the transation! . TUMBLEWEED. No. Unluckily I do not believe there are dealers in any of the 50 states or Canada that will go along with this. I guess if you buy from a private individual who does not have the presense of mind to ask to see a valid license, a makeshift operating permit along with liability insurance you can but if anything happens both of you can be liable to a degree. yes, In Michigan you can purchuce a car without a license… My hubby bought me a Truck and was responsible for the bill, but his name was not on the title of the truck. good luck. I believe when you transfer the title, even for a private party sale, you have to present proof of insurance. In order to get car insurance, you have to have a license. In Oklahoma if you have a suspended license and need to reinstate you MUST have auto insurance on a/any vehicle BEFORE they will issue a fresh license. (Even if you don’t own a car) I purchased a used car from a dealer and obtained insurance in Texas and I only demonstrated a Texas ID
Do you have to have a drivers license when you get insurance on a fresh car?
Insurance without a Drivers LicenseYes, You can buy and insure a car without a Drivers License. Youjust can’t drive it off the lot. Most states now require Auto Dealers to verify your drivers licenseand liability coverage before a customer drives off the lot with apurchase. This is to protect the car buyer as well as the rest ofthe public from the consequences of an accident with an uninsureddriver. One of the times that we as drivers are at higher risk of beinginvolved in an at fault accident is after the purchase of a vehiclewhen we may not yet be acquainted to the subtleties and handlingcharacteristics of a recently acquired vehicle. State law requires that you have the minimum liability and medicallimits required in order to operate a vehicle on public roads.Private roads and off road is another matter. A vehicle can be purchased and shipped where insuring arrangementsare being made elsewhere before operation. Some vehicles arepurchased stringently for off road use or Farm use and may never needa license or insurance. You can certainly buy property insurance without a drivers license,other valid ID is sufficient . Most insurance companies willrequire a drivers license to buy Auto Liability Insurance, otherswill let you buy it and then go get the license, they may requireyou obtain the license within 30 days. After all, you need theinsurance in order to take the drivers test. Glad Motoring____________________________________________________________________More input from other FAQ Farmers: .
I am unaware of a company that sells insurance to peoplewithout a drivers license number very first on file. This is usuallynecessary to check for tickets and / or accidents. Check with yourlocal state DOI (Dept of Insurance) for state specific laws andregulations that you & the insurance company may be subjectto. .
My company would insure you, but if there was a claim we wouldnot pay it.
How old does a car have to be before collision-comprehensive insurance is no longer necessary?
I believe it can be brand fresh, but you can’t have a loan on it.
Is any licensed driver automatically covered by your insurance policy if the car they are driving has coverage Even if they are not listed as a driver on the policy?
Generally yes, but you have to check your policy for specific limitations..
Watch out tho’. In California at least, if a driver is not specifically listed on the insurance policy, the coverage drops to state minimums (15/30/Five in CA).
Does your insurance pay for damages to your car if you have total coverage and someone living with you who had no drivers license took your car and wrecked it?
Probably not, most insurance companieshold the possessor of a vehicle responsible for keeping the vehicle secured. Meaning even if the unlicensed driver took the vehicle w/o permission, the holder should have made certain that such an event could not have occurred.
If a youthfull teenager was driving a friends car and did not have a driver license she had a wreck what will the insurance companies do even if the car was insured she still had no business driving?
Generallyif the holder gave the driver permission there will be coverage awarded, subject to any policy exclusions of course.
Can you get car insurance if you have a expired driver license?
In Fresh York you can purchase insurance for any vehicle. There are limitation however. Even tho’ you will be the possessor of the vehicle and insured it, our Department of Motor Vehicles won’t let you register it or put plates on it without a valid drivers license. Sorry. Hope you have better luck where you are. Also in NY, you can obtain a “Limited” use Drivers License. It will let you legally drive to and from your workplace, if you are the foot provider for your family. Good Luck!
What is collision and comprehensive on an auto insurance policy?
I am a licensed insurance agent. Comp is if your vechile is stolen, or bruised by something other than a car which you will have to pay the dec. Coll is if you get into a car accident and say the person did not have insurance then your coll would kick in. But in most cases there property harm will cover you depending on the state. I am from Florida and it is a no falt state so it doesnt matter. You need to check with your agent and see your dectibable. I would suggest uninsured motorist just in case they don’t have insurance your medical will be paid. But that has nothing to do with the com/coll. hope it helped.Tammy
If you have no US state drivers license which car insurance companies will take an international license and give you the best rates?
It is relevant to what state you reside..
The original question said NJ.
We lived in PA for Four years and my spouse got his insurance through a broker.
How would it affect car insurance rates if there was a 15 year lapse of having a drivers license?
This is not good most likely – unless you can get a healthy insurance letter from previous insurer demonstrating many past years of practice/accident/claim free
Does comprehensive coverage for auto insurance cover a hit and run of your parked car?
yes it does but you will be claiming off your own insurance and may liberate your no claims discount if you have one..
Yes it can be used but the deductible WILL apply, and your rates may increase if you put in a claim. (as unfair as that may sound)
Can you get car insurance on your car without a drivers license?
Yes, insurance is designed to protect the car as well as a driver. If you are not driving it at all, then the insurance premium should be lower.
Can you get points on your license for not having car insurance?
No, but in many states it’s a criminal offense and you can be subject to license suspension, fines and jail.
In a Utter Coverage Vehicle insurance policy what is the collision coverage?
The collision coverage specifically covers the repairs to your vehicle, regardless of fault..
If you are at fault for example, your car would be repaired, but you would be responsible for the deductible cost..
If you were NOT at fault, your repairs would be covered fully, and at no extra cost of the deductible..
A means of protecting your auto from harm stemming from an accident inbetween the insured and another vehicle and/or object. .
How is auto insurance coverage affected when your spouse has no drivers license?
Usually the Insurance underwriters would suggest the licensed driver what is called a Named driver exclusion. This should not affect the cost of your insurance premium. The u/w would need to know information about the unlicensed operator (why don’t they have a license? was it suspended, revoked, or are they just not licensed because of a handicap, or the person just does not drive) Once this is determined then he u/w would better know how to proceed in suggesting the NDE.
Can you get a car loan without having a drivers license?
No you need a valid DL for the loan officer to see…or you could have someoneco-sign a loan for you…
Will your insurance go up if you use the comprehensive coverage to fix a car that was vandalized?
That depends on your claims history, driving record, and amount of vandalism. Your rate will very likely go up because any time you “bill” your own insurance company for damages, they have the right to personally recover money from you through an insurance increase. A legal but wise thing to do is once your claim is lodged and your car is immobilized, switch insurance companies. Last year I had two rear end wrecks. The very first time I rear ended an SUV and my insurance had to pay out $Trio,700 for damages to my car, plus the SUV. When my policy renewed two months later, they hiked my rate from $212 per month to $267! Six months later, I rear ended a tanker truck, and my insurance had to pay out $12,000. I drove around a rental car for about a month, and got $6,500 dollars from the insurance company. (12,000 minus 6,000 for the lienholder plus 500 rental reimbursement) I went to my broker to ask advice and to insure my fresh car as well. In california, your rate cannot be raised until you renew your polcy, unless you budge resulting in a zip code switch. Well at 267, I knew my rate would go up come the following April, so I had my broker search for a fresh company. He found one that was 50 dollars cheaper than what I was paying before. Not only that, I moved in town recently and my rate dropped another 12 dollars, resting at $198 per month. So if you have time, see your broker if you have one, or wait until what your renewal suggest says.
Do you indeed need ununderinsured motorist coverage if your collision coverage covers the car harm and separate medical insurance covers injury treatment?
Underinsured motorist coverage protects YOU against the other driver not having enough coverage to treat your losses. Say they are at fault and carry 15/30/Ten (the minimum in most states, but even 25/50/20 if you want) – that means any one person they injure is covered for 15K max…to a total of 30K for all injured people – so if you had Trio people in the car the max payout would be 30K – with no one getting more than 15K. Your medical damages are 35K – actually a fairly puny amount considering todays costs. He is underinsured…you only get 15…pay the other 20. Your passengers, each of whom had say 25K of medical…they each look to you for the rest too (which because of the 30K max…which you used 15K of, is actually another 35K!). As to your car….he’s responsible for at fault damages to property…so if he only carries 10K property harm…and your car is worth 15…begin reaching for the checkbook. And if he shoved you into someones else’s car, or living room…welll…. The weird thing is without underinsured coverage…presuming your carrying something like 100/300 – your insuring the worthless slug for much more than he is providing for you. Even stranger…if he had no insurance….you would be covered up to your maximums anyway. It is a very inexpensive add on so i can’t see why it would be a place to skimp….just increase your deductible to truly save something.
If the other driver is at fault in a collision and does not have insurance can the claim be paid entirely under your uninsured driver coverage?
Yes – that’s the point of uninsured motorist coverage. You’ll be corded by the terms of your policy so review it. But generally yes, if the at-fault driver is uninsured, you can make a claim against your uninsured motorist policy. You’ll have to prove the other driver had no insurance. Generally an affidavit of no insurance, or a letter from the most latest insurer stating the policy had lapsed or was in some way not in force is sufficient.
Is a driver covered for rental cars if they have total coverage insurance?
It depends on the exact insurance you have. To be sure just ring up your insurer give them your policy number , tell them what you want to do and ask them to confirm you are covered for it. Total coverage usually just means having liability, comprehensive, and collision coverages. Rental is something you pay extra to have.
Can you get car insurance with no drivers license?
Yes you can get car insurance as a provisional driver with a provisional licence. This is so you can learn in a private vehicle. It has to be under a 1.Two litre i believe. The provisional driver has to be accompanied at all times by some one who has been driving for Trio years or more and is over the age of 21 years. in Maryland you have to have insurance before you can get a license but in north caroilna you have to have license to get insurance so truly it depends on what state you live in!
Is the car insured or is the driver insured My sister has a license and is driving my insured car but her name is not on my policy. Can she legally drive my car if I give her permission?
no she has to be on your policy , or if you are utter comperhensive and she hold an insureance policy . then you can give her permisson to drive your car under 3rd party only
Do you need a drivers license to get car insurance?
No, Not necessarily, There are many insurance companies that will issue auto insurance coverage to you without a drivers license. It just depends on the underwriting requirements of the insurance company. Most of the larger national companies will require a drivers license very first but many local and regional insurers will have no problem with it.
How much are tickets for not having your drivers license in the car?
I bumped into this lady and put a duo of scrapes on her bumper when the officer got there i realize i didnt have my driver licene in my wallet i am in pine bluff Arkansas so am attempting to find the estimate cost of the ticket
Does having a license automatically insure you as a driver?
No,, You have to buy the auto insurance for your car or you have tomake sure the proprietor of the car you are driving has the requiredinsurance and that it will cover you as a driver as well.
Can a uninsured licensed driver drive a insured drivers car?
The rules and laws of insurance vary from state to state but generally speaking it is the automobile that is insured not the driver. So if your friend permits you to drive her insured car and you are involved in an accident you are covered under her policy(((IF her insurance policy does not stipulate limitations banning unlicensed drivers from operating the vehicle))) in which case her insurance may not cover damages done to her vehicle or injuries to the unlicensed driver.
Can you get a no insurance ticket for car if your drivers license is insured?
You can’t insure a driver’s license. The ticket would have been issued to whoever was driving at the time the police issued it. If you had no proof of insurance with you – and that is required in most states – then you can be ticket for not having it with you.
Do you need car insurance to get your drivers license?
In VA you must provide proof of insurance before you get your license if you own a vehicle
Can I insure a car if I don’t have a drivers license?
“To own a car you need a license, thus, you need one to insure a car. They check your DMV driving record when you get insurance plus they count how many years driving as part of the method to determine insurance cost.” Is the very first sentence accurate? I am disabled and don’t drive, but have an attendant drive me. Can I legally own a car, and have an attendant included on the vehicle insurance?
You have liability insurance but no collision coverage and your car was hit by another driver will their insurance cover your damages?
Yes, if they accept liability and they will pay up to the limit of property harm coverage.
If someone throws a rock at and damages your car is this covered by comprehensive or collision insurance?
Neither. A rock hitting you’re car is a minor harm and isn’t treated by insurance companies. If a grown person does it you could file vandalism and request the money for repairs. If it is a minor, 4-12, the harm stays and you truly can’t do much about it.
Does insurance pays for a comprehensive insured car driven by an uninsured driver?
Comprehensive coverage does not apply to the driving of a car. It should be covered.
Can you register a car in SC having a NJ drivers license?
Only way you can is if you’re an active duty member of the military, stationed in South Carolina.
Would a suspended license driver be covered under total coverage car insurance?
Not in Canada. If your license is suspended, then any insurance claim that resulted from you driving while suspended would not be covered. If the car was bruised and it was parked and not being operated, then that is covered. But not if you are driving it.
Can you insure your drivers license if you do not own a car?
With some companies they suggest what is called a non-owners policy which permits you to purchase insurance coverage. These are used mostly because a client is required to have insurance coverage for a specific time by the Department of Motor Vehicles to straighten out their driver’s license.
What do you call comprehensive and collision insurance if you have both?
We used to call this “total coverage” but insurance companies do not use the term “utter coverage” anymore because there are always cases where there is no coverage. Such as harm done intentionally by the insured, and certain other uncommon occasions. I’m sure some lawyer sued when someone burnt their own car up because the agent said he had utter coverage.
Can a license driver get insurance on someones else car that has no license?
You cannot insure a vehicle that you do not own so the reaction to the question is no. The insurance must be in the name of the vehicles possessor. If there is a good reason that the proprietor has no license some insurance companies will permit the possessor to purchase the insurance in their name but exclude themselves as a driver and list the person or persons who will be driving as listed drivers on the policy. This is a legally written policy.
Can a car be repossessed over having liability coverage insurance instead of utter coverage?
If the lender required utter coverage (to protect their interests)as a condition of the loan and you drop it and substitute it with aliability only policy, then you havebreached the terms of theloan . The lender now has the right to proclaim the loan indefault andrequest instantaneous payment in utter of principle andinterest . Failure to pay as demanded then gives them the rightto repossess the car and have it auctioned. If the auction does notget enough money they can sue you for the difference!
What is the difference inbetween comprehensive and collision car insurance?
If you don’t opt for this cover, then when a calamity does strike,you will end up paying from your pocket. for More
How can you get liability insurance coverage for a person attempting to get their license using your car and you already have coverage?
You just contact your insurer and add the fresh driver to your insurance policy. Otherwise you are permitting an un-insured driver to operate your vehicle. Bear in mind that a claimant cansue both the driver and the proprietorof the vehicle if they have been injured in an accident. They can sue the driver because he was thr direct cause of the accident. They can sue the holder for negligence because he permitted the un-insured driver to operate the vehicle.
Is not having a drivers license enough for an officer to search your car?
Well this is an interesting question. Since you do not have your license then you are legally not supposed to be driving on any public road. Furthermore not having your license means that you pretty much have no right. So yeah a police officer could search your car. Hope this helps
What is the difference inbetween total coverage auto insurance and comprehensive and collision insurance?
This is a good question. Utter coverage was a term that used to be used in insurance to describe a policy that had liability, comprehensive, collision and any other endorsements that the client desired such as rental coverage and whatever else. Due to it being the day of suing over everything we don’t use the term any more because too many attorneys have persuaded people that utter coverage had to mean every possible coverage that there is and then some even tho’ the person knew what they bought. No individual responsibility for reading the policy or at least the declarations summary page, just sue. So now we don’t say utter coverage any more, we name each coverage separately.
Does farmers utter coverage insurance issue rental car if in a collision?
You’ll need to read the policy and see. Sometimes you may have bought rental car coverage that will pay a set amount per day up to a maximum. Utter coverage is a slang term used to describe a policy that offers comprehensive and collision coverage on a covered auto. Rental car and towing are usually extra coverages that you may or may not have. But even if you don’t have that coverage, it may still pay in a collision claim. You need to read the policy to be sure.
Is there a deductible on comprehensive coverage auto insurance?
Usually there is a deductible on comprehensive coverage auto insurance. The deductible can range in different amounts usually from 0 to $1000 or even higher if it is a very expense vehicle.
How is safe to drive a car without comprehensive car insurance?
Car insurance covers many parts including collision, liability and comprehensive. If your car is paid for you may not be required to have comprehensive coverage. .
Comprehensive coverage is fornon-collisionincidents such as a fire, earthquake, a hail storm and theft. If your car is demolished in a storm or it is stolen, then you will have to absorb the loss. .
Motorists should have comprehensive coverage as well as other minimum coverage to protect themselves, their passengers and other drivers. .
Where can auto insurance coverage for collision be obtained?
One can obtain auto insurance through many insurance companies out there today. A person may wish to contact companies like Geico, State Farm, and All State to compare rates.
What is included in comprehensive auto insurance coverage?
Comprehensive auto insurance coverage covers the different types of events or accidents cause by falling objects, animals, extreme weather, theft, vandalism or riots. But it does not apply to any types of accidents with other cars.
Can you have a drivers license without car insurance?
Yes, you can. You don’t have to have a car insurance in order to have a driver’s license.
Why might you determine to drop collision and comprehensive coverage?
You have a very cheap car and any repair will “Wright it off” I have a friend that drives a 1990 Sundance. Retail value $500.00.Comprhensive and collision, For him, $550.00 with $500.00deductible. Just does not make finacial sense.
What does collision coverage automobile insurance cover?
Collision covers if you hit something or turn the vehicle over. Theexception is an animal collision which is covered by comprehensiveor (other than collision).