Is it illegal to?
- Thread starter MiniDoom
- Start date
I believe every state in the U.S. has laws against driving while uninsured, so, yes, it is illegal to drive without insurance.
If her insurance covers other people driving her car, then you're fine. Otherwise, you're in trouble.
Depends on the state. I think NH is the only state that still has optional insurance. I think you will be covered under your GF policy.
Vic
Elite Member
- Jun 12, 2001
- 50,422
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Insurance covers the car not just the driver. As you were a legal licensed driver driving an insured car with permission, you were covered. Contact her agent first to confirm this, as there are some "excluded" drivers (i.e. usually teenage children of driving age in the same household).
But as the accident was the other driver's fault, it doesn't matter whether you were insured or not. He was liable. What you should tell his insurance company is to pay up.
But as the accident was the other driver's fault, it doesn't matter whether you were insured or not. He was liable. What you should tell his insurance company is to pay up.
In a way that can be the easiest solution (I'll leave the morality out of the equation).
Back during Thanksgiving I ended up hung over and had my ex roommate drive me. He rear ended my friend's car and insurance wouldn't cover it since apparently our policy didn't include other drivers. Fast forward to 2 weeks ago and we suddenly get a bill for $300 to add him to our policy and they won't take him out. I think we're going to switch companies.
Back during Thanksgiving I ended up hung over and had my ex roommate drive me. He rear ended my friend's car and insurance wouldn't cover it since apparently our policy didn't include other drivers. Fast forward to 2 weeks ago and we suddenly get a bill for $300 to add him to our policy and they won't take him out. I think we're going to switch companies.
The car is insured, not the person.
So her car, her insurance. If you had your own insurance I am pretty certain that would be irrelevant and her insurance would be the one billed.
Because....
Example:
You drive a 1984 Ford tempo with 200k miles on it, full coverage is cheap
She drives a 2004 Ferrari or something, full coverage on that car is expensive.
If you were driving her car, and got in a wreck, no way in hell your insurance company could cover it, it would be her insurance company (assuming she is allowing you to drive it).
Make sense? Now, you would be the one to get points on your license if it was because you did something stupid, but her insurance would still pay, and go up. (because she allowed you to drive her car)
So her car, her insurance. If you had your own insurance I am pretty certain that would be irrelevant and her insurance would be the one billed.
Because....
Example:
You drive a 1984 Ford tempo with 200k miles on it, full coverage is cheap
She drives a 2004 Ferrari or something, full coverage on that car is expensive.
If you were driving her car, and got in a wreck, no way in hell your insurance company could cover it, it would be her insurance company (assuming she is allowing you to drive it).
Make sense? Now, you would be the one to get points on your license if it was because you did something stupid, but her insurance would still pay, and go up. (because she allowed you to drive her car)
No, because if you are then found out to be lying, you will be far up shit's creek without a paddle.
i've actually looked this up. if she has insurance and you have hher permission to drive her vehicle, its no problem- her insurance will cover it.
Vic
Elite Member
- Jun 12, 2001
- 50,422
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Why do you care? The accident was the other driver's fault, he is liable, and it is his insurance that will be doing the paying. In this type of case, you don't even need insurance except to show to the cops and/or the DMV.
Or is there something you're not telling us?
Insurance is tied to the car.
You may or may not be covered. Depending on her insurance policy that defines if 3rd parties can drive or if you have to be a certain age to drive. Most likely you are covered though.
You may or may not be covered. Depending on her insurance policy that defines if 3rd parties can drive or if you have to be a certain age to drive. Most likely you are covered though.
Don't do it again, in IL its usually a 55 dollar fine, but you're required to get SR-22 insurance which costs about $1500. Many states do this.
When you drive without insurance you tell the world that you can handle any medical expenses that your accidents might cause, and in addition you don't need the insurance company's lawyers to defend you in future trials. Are you actually wealthy enough you don't need insurance? I don't think so.
When you drive without insurance you tell the world that you can handle any medical expenses that your accidents might cause, and in addition you don't need the insurance company's lawyers to defend you in future trials. Are you actually wealthy enough you don't need insurance? I don't think so.
Don't some states have a set-up where uninsured drivers that are in an accident are automatically at fault, no matter what? I thought I had read a post to that effect here in ATOT.
That seems like a really harsh rule, and stupid even because what if an accident has 3 parties, and two are at fault and one of the two has insurance. Now the uninsured one, who is almost always dirt poor, has to pay while the one with insurance who could pay isn't liable? That would mean the injured, innocent party wouldn't get any damages. Seems like a stupid rule...
DainBramaged
Lifer
- Jun 19, 2003
- 23,454
- 41
- 91
Official Update: Wisconsin does not require drivers to have insurance. Talk about retarded. If you hit somebody without insurance you are automatically required to pay the person for the damages and health bills if it is ruled your fault. If you kill a kid in Wisconsin and it's your fault, you have an automatic $500,000 judgement against you.
BUY FVCKING INSURANCE
BUY FVCKING INSURANCE
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