Colly

i know a couple of ppl who bought their own cars and drive them without any insurance. the car is registered under their parents, they're not even registered as secondary drivers. this one guy has been pulled over a few times and the cops haven't said anything about it to him. i guess the cops just check to see if the vehicle is insured and not stolen.

wut do you guys think about this? do u think this is a good idea?

shlammed

It's not illegal to "borrow" someone's car, that's why the cops don't say anything. Plus, I don't think they have access to see who is on the policy and who isn't. However, if one of them gets into a bad accident or something, good luck with the insurance. They will have problems such as maybe not being covered, OR they will force coverage on them at that point at a super high rate and possibly back charge for all the months they weren't insured (because they know you're lying).

Insuranceman

As log as you have permission to drive the vehicle, you will be ok ... if you have an accident, you will be ok, but you will be added onto the policy after the accident.

imported_viper_2_4

.....don't risk it, if you are a regular driver get insured on it.......

shlammed

If it's a friend, sure, but if it's a son or daughter living at home and not on the policy it will be a lot more complicated then that.

Insuranceman

Not really ... all that would happen was they would be added on the policy after the claim... All the parent would have tp say is, I forgot to add them on ... How is it more complicated than that? I've had tons of claims like that, there is nothing really the company can do, except exclude them if they have a bad driving record.

imported_kubu

how can you "forget" to add someone on? its kinda like me saying after i get into an accident, "ohh i forgot to buy insurance". so are you saying that i'm paying a few grand a year to add my name on, for nothing? how does that work?

iceburg_shorty

wat difference does it make. all that matters is that it works. u heard it straight from an insurance man

imported_kubu

i'm asking this to see what he said is based on... and i'm seeing if its only certain insurance companies that do it... i mean like, how is it possible that someone "forgets" to put their kids on the policy... and lets say that i try this, and something happens, i'm gonna tell my insurance company that it was ok for me to do cuz some guy named "insuranceman" on some forum said it was ok... ya, that'll work

Insuranceman

I am not saying that it should be done, but believe it or not a lot of people think they don't have to add their kid on until they have thier full G licence, so I have dealt with a lot of claims where the driver involved in the loss was not on the policy. So, we have to ask the owner if they gave the driver permission, and if they did, we process the claim as usual and send a note to underwriting to add the driver onto the policy. I am just saying, if you are not on, you should be, but if something happens where the driver is not on the policy, as long as he has permission and is properly licenced, it is a valid claim.

Insuranceman

That was too funny ... I enjoyed that, thanks

shlammed

Just like our other discussion, every company is different. I have personally had this happen to me with my moms car. I rear ended a lady while using her car to go pickup a freakin' cake. I was living with my sister at the time because closer to school. I had to fax the insurance company like 312412312 old bills and **** that were mailed to my sisters house to prove that I was living there for a certain amount of time before the accident so that they wouldn't back charge my parents.

imported_gatherer

I agree with insuranceman..

but if your driving around in a car under your parents name then it ain't your car it's mommy and daddy's regardless of who forked over the dough... to me I don't want to be seen as a kid that drives his parents car...

but thats just my opinion

Insuranceman

Thats a little different because you don't actually live with them, I was referring to a kid who actually lives in the same household ... If you don't live with them, there is no need for you to be on the policy

bbarbulo

iTrader: (2)

as long as you live with your 'rents and have a license, you HAVE to be insured under the policy.

imported_kubu

i second this

imported_eric

i did this for a few years, car registered on my dads name, his insurance and im not on the policy. made one claim and nothing changed. i did not have to be added to his policy. I drove the car 99% percent of the time, got pulled over several times no problem(except when i got issued tickets). Have my own insurance now.

also have a friend that bought a newer truck that is registered under his name but the insurance policy is his mom's, he is in the policy. It was just cheaper this way for him. They're broker said this is fine.

iceburg_shorty

they wont even hassle u when u get tickets, they just ask to see the insurance

shlammed

Insuranceman: if I DON'T live with them and I got that much of a hassle, if you think about it, it should be WORSE for those who DO live with their parents and have this happen. The insurance company will think, well gee, he/she smashed their parents car and lives with them so who knows how long they've been driving the car and not been paying to be on the policy. They can then cover the car, BUT can also hit you hard with months or years of back charges on the policy. If you live with your parents and don't want to be on the policy, you should sign an exclusion form but then if you smash the car or get caught driving it, you're royally screwed. I'm sure not all companies work that way, but I have yet to deal with one that would allow to go abouts this otherwise.

Insuranceman

Why would your parents company care if you DON'T live with them? Please explain this to me? You don't live in the same household, and you have a different address, so why would you need to be on the policy? So, with your logic, since I live in Hamilton, have my own car, and my own insurance, I should be on my mom's policy who lives in Kitchener? Makes no sense.... even if I drove her car once a week, as long as I have permission ... If your in the home, get on the policy, if your not, please explain to me how an insurance company can justify adding you onto your parents policy when you don't live there?