I have a car insurance question?

Question

When you are just getting insurance to pay for the damages incurred on other property what is it called? And if i have my license not permit, and i drive with my parents and i am not on their policy am i covered?

Answer 1

  Hi: It's callled liability insurance. Yes U r covered on their policy..so r passengers who r not family..

Answer 2

It really depends on your parents insurance company.  If they have a plan that includes all drivers then yes.  I dont know your situation and neither does anybody else except your parents and their insurance provider.

Answer 3

Insurance to cover damages to others and their property is called BIPD(liability) If you are driving your parents vehicle you are covered, as long as they have valid insurance. However, if you live in your parents household, you MUST be named on your parents auto insurance policy. If you do not  live in your parents household, you do not need to be named on your parents policy. You can drive their vehicle with their permission and you will be covered.

Answer 4

The answers vary by person.It would be a good idea to hear several of them and see the differences.Here is a good one.http://carinsurance.expertsupport.info/a...

Answer 5

For car insurance the quick way to get a great quote is do a policy comparison on car policies. Make sure that you pick similar policies with the same deductibles, auto make, location, etc so that all things are a good comparison.



What I most often recommend is an internet comparison quote at http://www.InsureAutoNow.info since they have top name insurers and will give several quotes on auto insurance polices.

Answer 6

No, you're not covered.  I assume you live at home?  Have your parents call their agent and let him know you have your licesne now, and need to be added to their policy.  Once that happens you will be covered.

Answer 7

It is called a liability policy.  It only covers another person's property, not the vehicle you are driving.  And if your parents don't put you on their policy, you probably will not be covered be it.  I wouldn't chance it anyway.  If you have a license, you are not supposed to drive if you are covered by an insurance policy.  You can get a very expensive ticket for that (I think in my jurisdiction, the fine is over $600, add in court costs, plus you have to provide continued proof of insurance to the courts for like a year).

You can only have a liability policy if the vehicle is paid for.  If there is a loan on it, you have to have full coverage.