Is car insurance on the car or on the driver?

Is car insurance on the car or on the driver?

Is car insurance on the car or on the driver?The insurance is on the vehicle.

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 habitual 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 rigorously 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.

If you do not have insurance but the car is insured are you okay to drive it if you are not the primary driver?

Insurance goes after the car, not the driver. As long as the car is insured and you have permission from the holder to drive it, you are covered.

Can an unlicensed driver buy a car and get insurance for it?

I have known people to buy vehicle without a driver’s license, but I don’t believe you can insure it. You very likely could get storage insurance, or maybe insure it with someone else as a primary driver. But most likely the insurance will have to be purchased by someone else. im an auto insurance agent…. in some states, you may insure your car even if you dont have a valid driver license. you may also buy your own car in some dealerships. you just gotta look for them…

Can you get car insurance if you have a expired driver license?

Response .
In Fresh York you can purchase insurance for any vehicle. There are limitation however. Even however you will be the proprietor 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!

Who pays when driver is not the car holder but has car insurance?

Reaction .
Usually the insurance policy of the holder of the car is primary and then if the driver of the car has a policy of their own then it is secondary.

Can you get car insurance on your car without a drivers license?

Response .

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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.

Does a driver with a permit need to have car insurance?

Reaction .
YES, it is required in all states that they be put on a insurance policy if they are behind the wheel

What if an uninsured driver has an accident with your insured car?

i was rear ended frm behind by another car, the car had insurance but the person driving was not listed as a driver, can i still get paid for mu car damages n figure injuries

Can an unlicensed driver get insurance for his car?

Yes, if he is the holder and has another driver he can name as primary. That said, most insurers will insure only licensed drivers and will require documentation of licensure at the time of application and of issuance of the policy.

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 Three 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!

Can an insured driver still sue me after his car was stationary by his insurance?

It is more likely you will be sued by the insured driver’s insurance company. Just because the other driver had insurance, that does not exonerate you from having to pay damages if you are liable.

Who sells insurance to a driver without a car?

a non-owners auto insurance policy can provide liability coveragein the event you operate a vehicle that is not wielded by you norinsured under your name.

Is car insurance on the car or on the driver?

Is there car insurance for just the car not the driver?

Typically, insurance “goes after the car” rather than the driver. An individual that does not own a car can generally obtain “non-owners” coverage that provides liability coverage to him/her regardless of the car driven. Comprehensive coverage may be the closest to the kind of coverage about which you ask. It provides physical harm coverage to the vehicle against risks unconnected with collisions (such as a tree falling upon it, a rock hitting the windshield, and various other risks outlined in the coverage). However, comprehensive coverage is generally sold and purchased in connection with collision coverage.

What are car insurance rates for youthful drivers?

It depends on the drivers age, driving history, type of car, and type of coverage. Generally they are fairly high.

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What if the driver is insured but the car is not?

As a rule, insurance goes after the vehicle, not the driver, therefore; if the car isn’t scheduled on a policy, one should not assume there is any coverage. The only exception would be if a person carries a policy for themselves as a named insured. Say, I had an insurance policy for myself on my own car and I dreamed to drive my sister’s car. My sister doesn’t have her car insured. The LIABILITY portion of my coverage would extend to me as a driver on her vehicle. Liability covers bodily injury and/or property harm to a third party. So, if I wrecked with another party while driving her uninsured vehicle, my own auto insurance would coverage any physical harm or bodily injury incurred by the party I hit, but that’s it. It will not pay to fix my sisters car. It will not pay for any injuries I may have sustained. You can usually purchase “non-owned” auto physical harm, if you choose. Were this coverage in place, the physical harm to my sisters car would be covered too, had I been driving.

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.

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.

Is another driver insured if you lend the car?

depends on the insurance you bought, sometimes the insurance company ask if there is any else driving this car and which they might charge you more, then they won’t want to pay for your losses

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

What is the cheapest car insurance for fresh drivers?

EsureAlso I would consider calling Allstate as the average driver saves over $396 with them. You can call them for a free, no obligation quote.

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?

Can you get driver insurance without a car?

No- you need to give information about your car in order to get insurance on it. You could insure yourself so that you are insured no matter what car you drive, but most of the time not.

Does insurance cover the car or the driver?

Both. It covers the medical expenses of the passengers and the cost of repair to the cars. That is assuming you have total coverage.

Does car insurance cover the car or the driver?

Car insurance covers you for accidents, fire and theft of your vehicle depending on what type of insurance you take out. You will need to get a quote from a car insurance company to find out how much your insurance will cost and what it will cover you for in the event of needing to make a claim.

Why have car insurance why not just insure drivers?

That could work if the only type of insurance were liability insurance (which pays for harm to others). However, many people have comprehensive insurance (which pays for THEIR harm), and some cars are more expensive to repair than others..
An insurance company faces a much greater potential loss in insuring a Ferrari Testarossa than a Geo Metro, and it only makes sense that they would charge more money for doing so.

Is car insurance on the car or on the driver?

Why is car insurance higher for youthfull drivers?

there are certain reasons behind the costly car insurance for the youthful driver1.the main reason is the less practice of driving,youthfull drivers do not have more practices of driving the car decently,there are lot of chances for the accidents by the youthfull driversTwo.youthfull driver do not have a good driving record ,,they dont find time to get good driving recordTrio.insurance company can give insurance on the past record of driving,if person is youthfull and don’t have good experienced past driving records,,

When to get car insurance for fresh child driver?

Check with your Insurance Agent/Company to be specific. Definately as soon as they receive their license. At the very least, the insurance company should be aware of the fresh driver as soon as they get their permit.

Does insurance go with car or driver?

it stays with the person but you have to regester any switches. EG: fresh moter…

What companies will write car insurance for a driver that was not previously insured?

Most of the major insurance companies will insure a previously uninsured driver. Your premiums will very likely be higher however at least for the very first year until you get some insurance history under your belt.

Can a primary driver get car insurance on a car if they are not the title proprietor?

It will depend on what insurance company your are insured with. Most companies do not permit this. However, at the company that I previously worked for they did permit you to insure a vehicle even if you were not the titled proprietor. You had to add an “Wielded By Endorsement” to the policy. In which they would get all of the information about the possessor of the vehicle as well as your information. In some cases, they would even rate for the proprietor along with you if the possessor isn’t rated on another insurance policy. If there was a loss, the holder would be paid because they own the vehicle and are the ones with the insurable interest, not you. Your basically just paying for the insurance on it to drive it, but would not be compensated if a loss were to occur. Hope that helps!

Where can you get the cheapest car insurance for a fresh driver?

It depends where you live, but you might have to check with a local independent agent (look in the yellow pages or online.)

Who is responsible if your car was hit by rental car and driver had no insurance?

The Rental Car Company is responsible if they permitted an uninsured driver to rent and drive their vehicle. You will need to file a claim against both the driver and the rental car company.

Is your car covered if the driver does not have insurance?

If you have insurance on a car anyone who you give permission to drive the vehicle is covered under your insurance. This is normally covered when insurance companies ask if there will be any other drivers for the vehicle.

Can you get car insurance without a drivers licencs?

Yes, but unless you list a licensed driver on your policy it will be very expensive.

Where can you find car insurance for youthfull drivers?

Attempt and shop around for the best quotes. Attempt very hard to stay away from smaller agencies and places such as Safe Auto. They usually don’t give the best coverage.

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.

Do you need a car to be an insured driver?

Not one of your own-generally you are insured by the possessor’s policy if you are using someone else’s car (with permission)

Is car insurance on the car or on the driver?

Can a uninsured car be driven by a insured driver?

Insurance is purchased for the car, not the driver. Until thecar has been insured it cannot be driven by anyone. Note that most states do permit a brief grace period after youpurchase a car in which it can be driven without insurance to letyou purchase insurance and treat title/registration paperwork.This grace period does not apply to a car that you have eitherallowed the insurance to lapse or have eliminated its insurance. .
If you already have another car insured (which it emerges you do)and wish to drive a car that is not presently insured, contact yourinsurance agent and have them temporarily transfer the policy tothe other car.

Does car insurance cover the driver if he is not on the policy?

It may and it may not. It depends on the definitions of an “insured” driver under the terms of your insurance policy and the type of insurance policy you bought. Most standard policies will extend coverage to certain drivers you have given permissive use while others such as low cost “Named Driver” policies extend coverage to no one other than those named on the policy. Contact your insurance agent if you need assistance with your policy language.

How do i get youthful driver car insurance?

if you are youthful driver, means you have began to drive the car almost, and want to take own car,then you need to take youthfull driver car insurance,for that you have to check online for the information about car insurance ,because it totally depends where you live,check online insurance for youthfull driver then compare their or call insurance agent for more information, Good Luck

Can a youthful driver have car insurance?

Generally yes, they can. If you want your own insurance you are likely going to have to get set up with a sub-standard carrier but those usually cost a bit of money for inexperienced drivers. If you are still living at home you could ask your parents to be added to theirs.

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What kinds of car insurances are there for learner drivers?

There are brief term auto insurances for people with learners permits. A person could also get a rider to an already existing insurance policy to cover an individual with a learners permit.

Where can a fresh driver obtain car insurance?

Car insurance for fresh drivers can be obtained in many different ways and places. One could visit a local insurance agent and get a quote and purchase a policy directly from the agent. Online sites are another popular place to purchase insurance.

Where can one get a car insurance for a convicted driver?

Several insurance companies will gladly suggest a quota for car insurance to a convicted driver. The quota will not be low, and it will most likely cost the driver as much as a fresh car will.

What companies do car insurance for a learner driver?

Several companies suggest car insurance for learner drivers including the AA, Aviva and City Insurance. If the learner driver is going to be learning in a car possessed by a qualified driver with their own insurance policy it may be possible to add the learner driver to that policy for a nominal fee.

Where can a fresh driver get cheap car insurance?

It is very difficult to get cheap car insurance for a fresh driver. One could check out insurance comparison websites such as CompareTheMarket. One can also check out local insurance brokers to see if they can give a better price.

Where can one get car insurance for learner drivers?

Most big name insurance companies like Allstate and Geico suggest insurance to cover drivers on learner’s permits. Just contact your regular insurance provider.

What is the significance of car insurance for older drivers?

Older drivers are often associated with higher auto-insurance costs. They are more likely to have physical ailments as apposed to junior drivers. These could include visual impairment, hearing loss, reflex issues, and memory loss, among other things. These problems can lead to more accidents and therefore raise insurance rates.

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.

Do I need to insure my car if I have drivers insurance?

It is uncertain what you mean by “driver’s insurance”. There is akind of liability insurance called “non-owners coverage” that isoften required under a state’s Financial Responsibility Law when anindividual has been in an at-fault collision, did not have therequired liability coverage and when the other party’s damagesexceeded a stated amount, or when an injury occurs. It is alsosometimes required when a judgment is entered against an individualfor an auto collision and the judgment remains unsatisfied.Non-owners coverage generally will “go after the driver” irrespectiveof the vehicle that he or she is driving. Non-owners coverageprovides no coverage for the vehicle itself such as for its repairor replacement in the event of a collision.

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