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Car Insurance And Teenagers...  
User currently offlineMNeo From Bulgaria, joined Mar 2004, 776 posts, RR: 1
Posted (9 years 4 months 5 days ago) and read 1737 times:

Im thinking about getting my own car, but i really dont have the over $200 a month for insurance. Does anyone know what the leagal status is if im driving a car registered and insured by my mom/dad and i get into an accident. Some people claim that it is the car that is insured and some people claim that it is the person.

Doeas anyone have and informaton.


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User currently offlineBaylorAirBear From United States of America, joined Jan 2005, 2913 posts, RR: 49
Reply 1, posted (9 years 4 months 5 days ago) and read 1729 times:

Generally in the U.S, if you are under 25, you must be listed as a driver on the vehicle. If you are listed as a driver, and not "primary", then that is the only vehicle you can operate.

BaylorAirBear



I'm just skipping stones...
User currently offlineFutureUApilot From United States of America, joined May 2004, 1365 posts, RR: 4
Reply 2, posted (9 years 4 months 5 days ago) and read 1719 times:

Technically my truck is registered with my parents, so if I get in an accident I'm not held to pay the damages. I also only have Life insurance, no colision or damage insurance. At least I can get the good student discount!

-Sam



The Pilot is the highest form of life on Earth!
User currently offlineLBA From United Kingdom, joined Nov 2000, 494 posts, RR: 0
Reply 3, posted (9 years 4 months 4 days 23 hours ago) and read 1704 times:

All Countries are different, in the UK the main driver has to be the one insured, but other drivers can be added to the insurance. If you name someone else as a main driver who isn't the policy is null and void and the insurance won't pay out. This has become common in the UK as insurance for young drivers is expensive, but insurance companies will investigate young driver accidents to a greater level if they are down as a named driver and not the policy holder.

User currently offlineMNeo From Bulgaria, joined Mar 2004, 776 posts, RR: 1
Reply 4, posted (9 years 4 months 4 days 17 hours ago) and read 1666 times:

So, from what i understand: I can drive the car if it is insured under my dad only if im listed as one of the drivers. (Does this mean i can take out any of the family cars?)


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User currently offlineDC-10 Levo From United Kingdom, joined Nov 2001, 3432 posts, RR: 3
Reply 5, posted (9 years 4 months 4 days 17 hours ago) and read 1662 times:

I've just bought my car (driving test next month) and my insurance has worked out at £462 which is around $650 per year. That's with my Dad as the main driver and me as an additional driver. In the UK you can drive if it is insured in your parent's name with you as the additional driver but I'm not sure how it works in Bulgaria.

DC-10


User currently offlineMsl747 From United States of America, joined Jul 2004, 412 posts, RR: 1
Reply 6, posted (9 years 4 months 4 days 17 hours ago) and read 1659 times:

Quoting FutureUApilot (Reply 2):
Technically my truck is registered with my parents, so if I get in an accident I'm not held to pay the damages. I also only have Life insurance, no colision or damage insurance. At least I can get the good student discount!

Yup same here. That was really the only way we could afford it.

-Msl747 spin 



Commercial Pilot Certificate: Single and Multi-Engine Land; Instrument Airplane
User currently offlineMNeo From Bulgaria, joined Mar 2004, 776 posts, RR: 1
Reply 7, posted (9 years 4 months 4 days 14 hours ago) and read 1636 times:

Quoting DC-10 Levo (Reply 5):
n the UK you can drive if it is insured in your parent's name with you as the additional driver but I'm not sure how it works in Bulgaria.

Im BG it really dosent matter as mostpeople really dont have insurance(altho it is mandatory...)

But i live in NY, where the laws must be followed  Sad



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User currently offlineBaylorAirBear From United States of America, joined Jan 2005, 2913 posts, RR: 49
Reply 8, posted (9 years 4 months 4 days 13 hours ago) and read 1629 times:

Quoting MNeo (Reply 7):
But i live in NY

Then I think you MUST be listed as at least a driver, in which case you can only drive THAT vehicle. Another alternative is if y'all have several cars, you can skip individual insuring and get an "umbrella policy." This basically covers all listed persons on all vehicles on one policy if you set it up right.

Do not make yourself the primary driver, then you'll be broke for sure  Wink. It's usually cheapest to have your mother/female as primary, and you as a driver.

I'm 24 now and have a '67 Camaro with a 383 and, as primary, I pay about $360/mth. When I was 18, my mother was listed as primary and I as a driver. My premium was $66/mth and hers was $76/mth. So, I paid both ($142/mth) and had cheap insurance. And, NO!, she NEVER even sat in my car.  Big grin

BaylorAirBear
BaylorAirBear



I'm just skipping stones...
User currently offlineCanadianNorth From Canada, joined Aug 2002, 3395 posts, RR: 9
Reply 9, posted (9 years 4 months 4 days 9 hours ago) and read 1609 times:

My recommendation is go find yerself oh $500, go buy yerself a decent bike, and use that to get around. Sure you'll take 30 to get somewhere when you can take the car and be there in 10, you will almost have 4 heart attacks per day if yer riding through rush hour traffic, you'll have sweat dripping from you in summer and it will take 45 minutes to unthaw yer hands in the winter, and the tourists wont stop asking you where the good trails are but atleast it's a reasonable price for what you get, there's no gas, no insurance, and as long as you take 15 minutes about once a month to do some basic preventive maintenance it will be very reliable, require little maintenance and last for years. Plus it's good excerise, lets you go places you'd never get to in a car, and it's fun.



CanadianNorth



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