Automobile ownership comes with responsibilities. One of them is to make sure whoever drives it is insured at least for foreseeable liabilities. Every state in the US enforces some sort of minimum coverage to protect third parties against injuries and losses your vehicle may cause. So you need to be covered before you can drive any car regardless of owning it or not. There are many questions on this subject. That is why various scenarios with different combinations of operators and keepers are explained below.
– Why do you need insurance to drive a Car?
In today’s world, injuries and damages anyone can cause with a motor vehicle can be substantial. It is unlikely that most people will have enough money readily available to compensate those losses. The only way of making sure that they are paid for is to have a policy in place. And authorities strictly enforce the laws to make sure that people have at least state required liability coverage. That is why they make it a legal condition to have it if you want to operate a vehicle. This is something that cannot be left to choice as many innocent people can get hurt and may need to be compensated.
– What Are the Penalties for Driving Uninsured?
Certainly, there are consequences ranging from fines, to license suspensions that it may work out cheaper just to pay the premium and have it. Keep in mind that they are only part of the troubles. You may have to spend a lot more money for things like legal defence and inconvenience of losing the use of your vehicle or license suspension. The overall ramifications can take its tall.
– Do You Need Insurance to Drive Someone Else’s Car?
If you are already included in another person’s policy you don’t legally need anything else. If you are living in the same house with the owner you are probably automatically included as well. Most policies include occasional operators (who are neither of the above), unless there is a special exclusion. You should check this especially if you are a teenager because some companies may specifically exclude anyone under 21 or 25.
In any case, policies and rules varies greatly that it is always best to check terms and conditions or ask the agent about occasional and same household. This may be the safest option.
– If I Borrow my Car to Someone Else Is He/she Covered by my Policy?
It is the same as above. But in this case you have to make sure that anyone who uses your vehicle is included because you are responsible for the accidents caused by your car even though someone else was driving. Only exception to responsibility is when it was taken without consent or stolen. Also, even though, as far as you are concerned, these were no fault accident premium go up. Any accident it is involved will affect the renewal premium even though someone else was behind the wheel.
– Can You Arrange Insurance for a Car You Don’t Own?
It is certainly a possibility and there are other ways of dealing with it as well. You can buy non owners coverage and use it when you operate someone else’s or a hire car. You have to make sure that you have at least liability arranged either by its registered keeper or you. It may be possible to insure a car you don’t own. You should check that post for detailed information.
– Does Insurance Go with the Car or Driver?
Usually, it goes with the car. However, the liability can go with you to protect an automobile that isn’t yours. If they don’t have coverage yours kicks in automatically. If the title holder already has a policy and it includes you as well then it comes into effect after the primary limits are exhausted or you are personally sued.
However, there are circumstances that you may be required to show the schedule before you can get a license or get a suspended license back. Most of them would want to see a proof before they register an automobile anyway and any lapses on that may be reported to DMV. Also, some states may require a policy to insure you for using yours and other people’s autos. You should check it to be absolutely sure.
– What Insurance Do I Need to Drive?
You must at least buy minimum liability required in the state. It is up to you to add collision and comprehensive for own vehicle and buy other voluntary add ons. You can start with getting quotes here for both types and compare cost. If the price difference is acceptable you may end up with more inclusive package.
– Why Not Protect the Vehicle Properly?
When you only buy the basic you don’t have any protection for the automobile. You may not realize it at the start but you can add comprehensive and collision at a reasonable extra premium. So, why not get quotes for both liability only and full and see the difference? You can even get the right here and compare. It won’t take long before you know the score.
Perhaps it helps you to know that most motorists (about 72%) prefer to buy full coverage if they can afford it. Carriers’ approach may have something to do with this because most of them offer very attractive packages at reasonable prices. And a few companies choose to keep their prices for the basic required high for several reasons. First of all, they try to discourage people from buying them. And secondly, they don’t have to hard sell them since they are compulsory.