What happens if I drive someone's car and I am not on their insurance?

Like if I get in an accident

21 Answers

Relevance
  • garry
    Lv 4
    4 weeks ago

    means trouble for you , you shouldnt be driving with out insurance , if you can afford a car then you can afford insurance . anyway what are you doing driving some-one else car without insurance .

  • John P
    Lv 7
    4 weeks ago

    In Britain you would be arrested for driving without insurance. You would be fined, and you would lose your driving licence for at least a year. I assume that you do have a driving licence. if not then the penalties would be greater.

    People like you cause us proper drivers to pay more for our insurance.Check the law where you are.

  • 4 weeks ago

    no need their insurance.

  • car253
    Lv 7
    4 weeks ago

     It depends what state you live in.    It also depends if the owner of the car has "Permissive Use" on their auto insurance policy.     "Permissive Use" allows anyone to drive the car with the owners permission and be covered. 

    Ask if the insurance company has "permissive use".   If not, find a company that has it on their auto insurance policies.

  • How do you think about the answers? You can sign in to vote the answer.
  • 4 weeks ago

    Different countries different insurance rules. In Canada, a car owner would be held accountable if the driver has no valid license. If the driver has valid license, he is accountable.

  • F
    Lv 6
    4 weeks ago

    In the UK you insure the car plus specified drivers, normally husband and wife and maybe some children. You can get an open policy where anyone can drive the car but they tend to be for companies and are expensive for private use.

    Most ( but not all) comprehensive policies allow you to drive cars not belonging to you but only cover 3rd party claims.

    If you have no insurance of your own and are not a named driver on someone’s policy, you are uninsured and breaking the law. Big fine. 6pts at least and massive premium when you do get your own insurance.

  • May
    Lv 6
    4 weeks ago

    U.S.A. answer

    If you don't live in the same household, there is no such thing as needing to "Be on" someone else's insurance.  Why?  Because cars are insured not people.  If you have permission and a valid drivers license you may drive any insured vehicle occassionaly and be covered by whatever insurance has been bought for that vehicle.

    "Insurance 101" should be required to get a drivers license.

  • 4 weeks ago

    Their insurance should cover the accident in one way or another--it sort of depends on whether or not it's only liability or comprehensive coverage as to how much and whether or not your medical issues will be covered, but generally, if you have permission to drive the car, and you are a licensed driver you're covered. Now--if you caused the accident, your injuries, if any, might not be covered, though damage to the other vehicle or property probably will be to some extent--if you did not cause the accident, then the other driver would be held liable. Everything will depend on the type of insurance they car-owner has and the circumstances of the accident. 

    .

  • 4 weeks ago

    If you drive with the permission of the owner of the vehicle, you are covered under the policy as a permissive user.

  • 4 weeks ago

    Most insurance companies allow others to drive on a limited basis,  such as you loan someone your car for the weekend.   But if it is on a regular basis or for a long time or long distance it is best to be a named insured on their policy.   This is very important if it is a kid driving the car.    What could really screw you is they loan you the car then you get into an accident and then they say the car was stolen.  You will be totally screwed. 

Still have questions? Get your answers by asking now.