Can I drive a car that has insurance in my grandma's name but not mine?

Question

Im 17 yrs. old and live in Florida.

Answer 1

Depends on the insurance company. Most will cover you if you are driving her car ocasionally with her permission. If the insurance company finds out you are the ONLY driver and she no longer drives they will not cover any accident and would likely charge you with fraud.

Answer 2

Have your grandma call the insurance co. and see if her insurance extends to you driving the car with her permission. I believe the answer will be yes but for only a short time like 7 -10 days after that she will have to add you as a driver on her auto policy and pay more.

Answer 3

Depends on what kind of Insurance Grandma has.

There are 2 types of insurances that can cover you.

#1 Standard like Allstate American Family, State Farm etc

Brand name insurance

#2 Substandard- insurance you can purchase fast cheap and generally not well known wherever you go.

If Grandma has standard insurance sure you should be covered. With Standard Insurance the insurance follows the car and the driver (grandma) so If you are pulled over and have to show proof of insurance it is usually for the car not the driver that the police look for.

It also depends on what state you are in.

Here in Illinois it is illegal to drive with our insurance. (Liability)

And if you are caught you get a fine and have to purchase what they call a SR22. What that covers is a third party and it follows the individual. Say for instance you do not own a car but you are caught driving a car with out insurance you have to by state law purchase this coverage to cover you no matter if you have a car or not. Kind of like punishment for driving an uninsured vehicle. you should be fine.

Answer 4

In the US, if you are not a household member, not a regular user, and have permission from the owner, you are covered.

Answer 5

Sure. But will you be covered by insurance?  Maybe, maybe not.  If you're going to use the car more than once a month or more than ten times a year, you need to be added to her policy as a driver.

Answer 6

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Answer 7

I think that depends somewhat on the state you live in. I live in indiana and if I were to have the same address as my grandmother, her insurance would not cover me. But if pur addresses were different it would cover me.

Answer 8

It depends on your grandma's insurance company. Call her agent and ask them if you'd be covered if you drove it. Simple as that.