Driving without insurance

[darkmagician]

I got my license recently, and i want to drive my dads car. But the insurance company is stalling to quote me. So can i still drive my dads car without probably having insurance?

[Bytown]

I got my license recently, and i want to drive my dads car. But the insurance company is stalling to quote me. So can i still drive my dads car without probably having insurance?

Does you dad want to get sued.

[shabby]

Do you want to be beaten up by your dad?

[SoNgMaN]

go ahead, just don't kill anyone, hit anything or get caught.

cause if you did, you'd never get the quote from the ins company ;)

[yao416]

You shoulda ask me :D

I drive my dad's car, (I dont got insurance) As long the car have insurance itself, you can drive it.

[goffeebeans]

I got my license recently, and i want to drive my dads car. But the insurance company is stalling to quote me. So can i still drive my dads car without probably having insurance?

when you say you just got your license, do you mean your G1? or your full license? Drive his car as in once or twice? or whenever its free?

Though you really should check with your insurer.

I tried looking up some information on the web, heres what I found. Perhaps somebody more knowledgeable can correct it or verify it.
It is the vehicle that is insured, not the drivers. From what I gather, that doesnt necessarily mean your properly covered under your parents policy for those vehicles. Their insurance rates are based only on them being the drivers of the vehicles and now that you've become licensed it should be disclosed to the insurance company. I wouldn't drive the car cause if anything happens whats stopping your company from refusing to cover or cancel your parent's insurance for lack of disclosure. It's like you're not disclosing the fact that theres a high risk driver in order to get lower rates based solely on your parents being the drivers.

I personally wouldn't take Yao's advice. Not even for finding lacoste polos, even though we spoonfed him the information. You should double/triple check with your insurer. Theres also an insurance thread somebody made, which you can ask there too.

[yao416]

when you say you just got your license, do you mean your G1? or your full license? Drive his car as in once or twice? or whenever its free?

Though you really should check with your insurer.

I tried looking up some information on the web, heres what I found. Perhaps somebody more knowledgeable can correct it or verify it.
It is the vehicle that is insured, not the drivers. From what I gather, that doesnt necessarily mean your properly covered under your parents policy for those vehicles. Their insurance rates are based only on them being the drivers of the vehicles and now that you've become licensed it should be disclosed to the insurance company. I wouldn't drive the car cause if anything happens whats stopping your company from refusing to cover or cancel your parent's insurance for lack of disclosure. It's like you're not disclosing the fact that theres a high risk driver in order to get lower rates based solely on your parents being the drivers.

I personally wouldn't take Yao's advice. Not even for finding lacoste polos, even though we spoonfed him the information. You should double/triple check with your insurer. Theres also an insurance thread somebody made, which you can ask there too.



nice long essay but please if you dont know sh*t about insurance please shut the **** up.

[M.D.]

nice long essay but please if you dont know sh*t about insurance please shut the **** up.

wow...thats childish..didn't we all tell you that you need to be covered by insurance to be driving legally with g2?
your dad's car is covered because it was meant for him, not you, not your mother or your dog.
pay the insurance or run the risk of getting caught and suspended :)

[bobbings]

your dad's insurance policy should cover others who drive the car temporarily. if you were to get into an accident, the company should still cover you but in terms of the record, it might mess it up? correct me if i'm wrong

[yao416]

wow...thats childish..didn't we all tell you that you need to be covered by insurance to be driving legally with g2?
your dad's car is covered because it was meant for him, not you, not your mother or your dog.
pay the insurance or run the risk of getting caught and suspended :)

Well guess what kid,
I got pullover once and got asked for insurance
And guess what,,, nothing happen

So please if you dont know anything about insurance please

shhhhhhhhhh

[patrob]

Do you want to be beaten up by your dad?

Good one :lol: ;)

[goffeebeans]

nice long essay but please if you dont know sh*t about insurance please shut the **** up.

What credentials do you have that make you an expert? Im simply posting information that someone should look into with an AGENT to ensure that they're truly covered under their parent's policy. You indirectly claim to have expertise in insurance, yet provide no reasoning or facts to back up your claims.

Well guess what kid,
I got pullover once and got asked for insurance
And guess what,,, nothing happen

So please if you dont know anything about insurance please

shhhhhhhhhh

The cop only checks to see whether THE CAR is insured .
Before you start telling people to STFU, realize that were talking about different things.
You're talking about driving an insured car, while im talking about making an INSURANCE CLAIM.

What im talking about is whether or not the insurance company is going to DENY your accident claim for a unlisted/undisclosed person who drives the vehicle all the time. And/or if the insurance company is gonna cancel the policy for nondisclosure when they find out. So difference is, whether you're actually covered or if the insurance company is gonna sue you for their expenses related to the accident.

Now if your example was, you got into an accident driving your dad's car and were not disclosed on the insurance policy and made a claim and everything went smoothly.. then that would shed more light on the situation.

If your insurance company already knows you have your license and may possibly drive the vehicle, then your dad is likely to already pay a premium for you, unless he specifically noted to them that you werent driving his vehicle.
Theres no piece of paper listing your name on the insurance, just the policy holder. So when you say, I dont have insurance.. are you referring to you have no insurance slip specifically listing you OR do you mean you have no insurance period as in the insurance company has no idea you exist or that you've signed something saying that you wont drive the car and hence won't be covered.

[7ofu]

Yao, you're an idiot. You don't even have facts to back up what you're saying. All you have is bad english.

[CSK'sMom]

To begin with what license did you just get? If it was your G1 there is no need to specifically add you to your parents policy but the insurance company should be notified. You don't have to be added specifically as a driver because you cannot drive without a licensed driver in the vehicle along with the other restrictions. If it's your G2 that you just got, you do need to be added as an occasional driver to your parents policy. There will be an increase in premiums but not too bad. It's low enough that anyone with a part time job could easily pay the difference in premium. Full G will raise the premium even further.

We just went through all of this today with our agent...

[TrevorK]

In Alberta we are required to report if there will be any under 25 year old drivers who may drive our car. If so, our rates are increased.

[CSK'sMom]

your dad's insurance policy should cover others who drive the car temporarily. if you were to get into an accident, the company should still cover you but in terms of the record, it might mess it up? correct me if i'm wrong

Not necessarily. All licensed drivers in the household must be reported to the insurance company. If one wants them excluded from their policy you have to fill out a waiver saying that that driver will never under any circumstances drive the vehicle. If you are caught breaking the waiver or lying to the insurance company they can refuse to pay any claims, cancel the policy and blacklist you. If blacklisted you will have to deal with casualty insurance any pay thousands of dallars a year for basic coverage...

[trixstar]

hahaah yao strikes again! hey yao.. check this out..

http://www.redflagdeals.com/forums/showthread.php?p=5300872#post5300872

[DragonZealot]

May be Yao is not living with his dad so he does not need his name to be added to his dad's insurance.

May be his dad already added his name without Yao's knowledge.

May be Yao is attention seeking :lol:

[yao416]

May be Yao is not living with his dad so he does not need his name to be added to his dad's insurance.

May be his dad already added his name without Yao's knowledge.

May be Yao is attention seeking :lol:

rofl haha
I do live with my dad
and my dad havent added my name to his insurance or anything.

[billdozer]

yao416 is a 17 year old punk kid that drives mommy and daddy's cars without insurance and thinks he's BALLLLLLINNNNNN (with popped collar of course) in front of his little high school buddies, all of which are equally lame.

He's the reason why our insurance rates increase.

But hey, I'm not telling you anything you don't already know ;) :razz:

I wouldn't be surprised if you live with your mom&dad for the rest of your life :rolleyes:

*the gloves are off* :lol:

[KorruptioN]

yao416 is a 17 year old punk kid that drives mommy and daddy's cars without insurance and thinks he's BALLLLLLINNNNNN (with popped collar of course) in front of his little high school buddies, all of which are equally lame.

He's the reason why our insurance rates increase.

But hey, I'm not telling you anything you don't already know ;) :razz:

I wouldn't be surprised if you live with your mom&dad for the rest of your life :rolleyes:

*the gloves are off* :lol:

Best part is, all this is factual, not so much stupid trolling that yao is so very good at. He thinks he's got credentials and credibility.. so very wrong.

[billdozer]

heh, anybody who's been here on RFD for at least a month or so will know yao416 is full of **** and just trolls.

I wouldn't be surprised if yao416 got in a car accident one day, then you'll see multiple threads started by him begging for our help and whining like a baby because he's knee-deep in sh*t (though probably nothing new to him) from the cops, his dad's insurance company, and his parents :lol: :lol: :lol:

mark my words :razz:

[kmltick]

Sounds like he's just a kid trying to seek out attention. Either way he doesn't add any value to thread and only serves to confuse people with misinformation.
His comment about the disposal of motor oil down the sink wasn't met with enthusiasm.

So to the original poster, I would suggest you ignore Yao's comments and follow the advice of others, but honestly the best thing to do is check with your dad's insurance company. I'm am more than sure that because you are now eligible to drive the car, your dad will have to sign a waiver or add you onto the insurance.

[M.D.]

I wonder why he got temp. banned :rolleyes:

[Bazooka Joe]

If you lend your car to someone temporarily, your insurance goes with it. If you lend your car to someone on a regular basis, they then become an "occasional driver". The insurance company then has a valid reason to deny a claim. Being the son of the insured person it will be a long uphill battle to get that claim paid out, and the insurance companies can hire good lawyers.

An occasional driver should cost very little. I got on as an occasional driver on my mother's policy (this was a long time ago though) for $150/year IIRC. <$15/month should be doable with any part time job (or slave labour around the house).

[darkmagician]

thanks for all the inputs guys/girls, i understand alot more now. I got my g2 so im ok to drive myself. I dont think i can do under temp driver anymore, cuz my insurance company just found out i got my license. Blah, i dont want to take the risk of being hassled or messed up, so i guess im just going to
wait it out.

Another question, what if my dads in the car with me, can i still drive it without insurance yet?

[D-3vil]

thanks for all the inputs guys/girls, i understand alot more now. I got my g2 so im ok to drive myself. I dont think i can do under temp driver anymore, cuz my insurance company just found out i got my license. Blah, i dont want to take the risk of being hassled or messed up, so i guess im just going to
wait it out.

Another question, what if my dads in the car with me, can i still drive it without insurance yet?

While as a G1 driver, this may have been possible, you are now required to be listed as a driver on the car, if you drive it regularly. Your dad being in the car has nothing to do with it anymore.

In other words: if your name isn't on the insurance, you are likely to be denied any at-fault claims you make.

[SkylineR34X]

rofl haha
I do live with my dad
and my dad havent added my name to his insurance or anything.

Leave the guy alone...

Apparently, hes talking about bs and doesnt noe shiet about the law. Hence, he can drive without an insurance and deserve whatever shiet is gonna happen.

[SkylineR34X]

Well guess what kid,
I got pullover once and got asked for insurance
And guess what,,, nothing happen

So please if you dont know anything about insurance please

shhhhhhhhhh

This guy has an interesting logic.
That's equiv of saying, he slept with a prostitute, and didn't get AIDS, hence it's safe to do so for everyone.

[Dealz-4-U]

http://www.redflagdeals.com/forums/showthread.php?t=415480&page=27

read posts 393 and 397

[NLI10D]

depends on restriction on your insurance policy.

in our insurance, anyone under 25 is not covered unless they have been declared.

[bobbings]

Not necessarily. All licensed drivers in the household must be reported to the insurance company. If one wants them excluded from their policy you have to fill out a waiver saying that that driver will never under any circumstances drive the vehicle. If you are caught breaking the waiver or lying to the insurance company they can refuse to pay any claims, cancel the policy and blacklist you. If blacklisted you will have to deal with casualty insurance any pay thousands of dallars a year for basic coverage...

that's what I thought when I first got my license. my parents didn't want me to drive and therefore, the insurance company sent us an exclusion form to fill out. We filled it out and sent it back (should've photo copied it =( ) 2 months later, the insurance company took out money from my parents' pre-authorized account equivalent to 2 months saying that I was still covered and that the exclusion form wouldn't work. Their reason was that since I am living with them, I have access to keys and if I were to get into an accident, they will have to cover regardless under my parents' third liability coverage. We weren't able to argue it because they took the money out already even though we wrote up a complaint letter and sent it out to different departments and supervisors.

[gman]

You shoulda ask me :D

I drive my dad's car, (I dont got insurance) As long the car have insurance itself, you can drive it.

Well guess what kid,
I got pullover once and got asked for insurance
And guess what,,, nothing happen

So please if you dont know anything about insurance please

shhhhhhhhhh

rofl haha
I do live with my dad
and my dad havent added my name to his insurance or anything.

In Ontario, if you live with your dad, your dad has to report you to his insurance regardless you will drive his car or not. He is required to report all license driver living under the same roof.

Police only checks if the car has insurance. He does not call the insurance company to make sure your name is in the policy. Some people also got away with a fake pink slip too. They can also claim 'guess what ... nothing happens' too.

If you get into accident, the insurance company may not pay.

If you don't live with your dad, you can drive your dad's car without problem.

[Dealz-4-U]

how much more $ (if any) does it cost on average to disclose that other people in your household have their G2, or G, etc?? Not putting them as second driver, just disclosing to them that they have their license.

[dolphie]

Yao, you're an idiot.

this guy is a piece of work! gives out wrong info, then immediatley calls someone else names for actually giving some info that might help.
wow

Too bad to see he's not still banned.

[CSK'sMom]

how much more $ (if any) does it cost on average to disclose that other people in your household have their G2, or G, etc?? Not putting them as second driver, just disclosing to them that they have their license.

No one can really answer that for sure. It depends on so many variables like drivers ed, vehicle(s) on policy, where you live down to the postal code, etc... Generally, unless the waiver is signed, every licensed driver in the household must be added to the policy. We've been roughly quoted an extra $300 or so a year when our oldest gets his G2.

[Dyno]

Is there a difference to when you disclose that someone in the family has their G2 or put them as a secondary driver?

Because my parents put me (17 yr old) as a secondary driver for their vehicles (f150 and caravan) and we were quoted $1300 extra (and that is with all available discounts: drivers ed, high grades, no tickets). How do you manage to get a quote of only $300.

[CSK'sMom]

Like I said Dyno, the actual rate depends on so many variables. Hubby is rated as a nine star driver , no claims and we only have 1 vehicle.

From what our insurance agent told us when adding a new driver to the policy the quote will always be based on the higher premium vehicle if there is more than 1 vehicle. So in other words if a new driver is added to a policy that covers an old beater car and a brand new car the premium will be based on driving the new vehicle and not the beater. It's one of the ways people used to try to beat the system but the loophole has been closed up...

[Bazooka Joe]

Is there a difference to when you disclose that someone in the family has their G2 or put them as a secondary driver?

Because my parents put me (17 yr old) as a secondary driver for their vehicles (f150 and caravan) and we were quoted $1300 extra (and that is with all available discounts: drivers ed, high grades, no tickets). How do you manage to get a quote of only $300.

Depends on:

Length of time since either of your parents have had an accident
Length of time since either of your parents have had a ticket (or number of tickets)
Make and model of car (replacement value, safety features which are expensive to replace in a vehicle, likelihood to be stolen, likelihood to be involved in an accident)
Male or female drivers and age (both parents and child or children)
Total number of drivers insured (any siblings?)
The company insuring (some are more third/fourth driver friendly than others)
Number of cars compared to number of insured individuals
Record with the insurance agency (how long you've been with them and how likely you are to shop around)

And probably more variables that no one can really be sure of.