quick insurance question

[silvermist99]

I do not live with my parents and we have different residence addresses. I occasionally drive their vehicles, do I have to be on their policies? I'm currently listed as occasional driver in their vehicles. I know there is a rule stating all drivers under the same roof needs to be insured in order to be covered by insurance, but I'm not sure how my situation works.

[tmpz]

I do not live with my parents and we have different residence addresses. I occasionally drive their vehicles, do I have to be on their policies? I'm currently listed as occasional driver in their vehicles. I know there is a rule stating all drivers under the same roof needs to be insured in order to be covered by insurance, but I'm not sure how my situation works.

If you do not live with them, then you don't have to be on their policy. Your parents policy should cover you assuming they give you the papers and permission to drive it.
Just FYI, if you live with your parents, there is a waiver you can sign so that you don't have to be on their policy. However, you are NOT permitted to drive the car and they will not cover you.

I could be wrong, the best way is to call your parent's insurance.

[mazda_gurl]

You dont need to be on their policy. You have insurance on your car. IF you got into an accident in any vehicle, then you would put the claim through your insurance.

[silvermist99]

You dont need to be on their policy. You have insurance on your car. IF you got into an accident in any vehicle, then you would put the claim through your insurance.

thanks for the help, I'm in the process of switching all my cars. To make matters more complicated... there will be a period of time where I will have no car or insurance and will probably occasionally use their vehicle.

I'll speak to their insurance broker soon... she is just so annoying and always refuses to answer my questions and only talk directly to my parents =/

[aris]

You dont need to be on their policy. You have insurance on your car. IF you got into an accident in any vehicle, then you would put the claim through your insurance.

Wrong..

Who ever owns the car that your in a accident with would have to make the claim...

eg.

I loan you my car and you get in to a collison with it then i would have to claim it on my insurance...

[aris]

thanks for the help, I'm in the process of switching all my cars. To make matters more complicated... there will be a period of time where I will have no car or insurance and will probably occasionally use their vehicle.

I'll speak to their insurance broker soon... she is just so annoying and always refuses to answer my questions and only talk directly to my parents =/

As long as you have a vaild drivers licence then you can drive anyones car..you don't need to be on the policy to be able to drive someone car (as long as their car is insured)..

[mazdaskit]

make sure there are no restrictions like over 21 or 25 years i know my dads is like that if im not on his policy then i have to be over 25 to drive it

[silvermist99]

As long as you have a vaild drivers licence then you can drive anyones car..you don't need to be on the policy to be able to drive someone car (as long as their car is insured)..

Yes I remember reading something along the line of that in my parent's insurance policy stating third party driver not living in same house is covered. But to what extend? IE. If my I lend my car to my friends and he drives/keeps it for 4 years and crashes it. It is still covered? Maybe thats an grey area.

[taz4432]

make sure there are no restrictions like over 21 or 25 years i know my dads is like that if im not on his policy then i have to be over 25 to drive it

That's almost solely done for high-end/collectors/rare/etc. cars. It's almost never done on 'regular' cars but yes, it is something to keep in mind.

[mazda_gurl]

Wrong..

Who ever owns the car that your in a accident with would have to make the claim...

eg.

I loan you my car and you get in to a collison with it then i would have to claim it on my insurance...

If I didnt have insurance. If I borrow your car and have my own insurance and I get into an accident, I put the claim through my insurance. If I dont have insurance then you have to claim it.
I went through this when I was with my ex. We didnt have each other on our policies but shared our cars. Both of our insurances said it wasnt necessary to add the other driver as long as the other driver had insurance.

So if she took my car and got into an accident, she was told to submit through her insurance and vice versa.

[aris]

Yes I remember reading something along the line of that in my parent's insurance policy stating third party driver not living in same house is covered. But to what extend? IE. If my I lend my car to my friends and he drives/keeps it for 4 years and crashes it. It is still covered? Maybe thats an grey area.

Well i guess if you loan your car for 4 years to your friend your not going to tell the insurance company that you loaned it for that long..lol

[aris]

If I didnt have insurance. If I borrow your car and have my own insurance and I get into an accident, I put the claim through my insurance. If I dont have insurance then you have to claim it.
I went through this when I was with my ex. We didnt have each other on our policies but shared our cars. Both of our insurances said it wasnt necessary to add the other driver as long as the other driver had insurance.

So if she took my car and got into an accident, she was told to submit through her insurance and vice versa.

If i loaned you my car and you smashed it up then i would have to claim it on my insurance

[m_bisson]

If i loaned you my car and you smashed it up then i would have to claim it on my insurance

Some insurance companies cover you while you're driving other peoples cars. You're both right and you're both wrong.

[htc***]

I think you're better to check with broker/agent to make sure they will cover or not. Each insurance company have different rule about it.