Question:
I have recently bough a car and I am the registered owner and keeper of the car on the documents. As this is my first car and I am under 26, my insurance quote was very high, so as the car will be driven by me and my boyfriend he is the primary driver and i am the second driver on the insurance policy. Does the primary driver also have to be the registered owner for an insurance company to pay out?!
Answers:
Is there a driver license and registration that is not attached to any state?
It's not cut & dried. In the UK, there can be a difference between the registered keeper and the owner. Usually the insurers look to the registered keeper as it is this person who is expected to be the user. They're not always inflexible though.What do you do if you cant afford car insurance?
Check with the state for regulations regarding ownership and car insurance.Does anyone have progressive insureance?
I was cited for not having insurance. The car was in my name, transferred by my Dad when I turned 21. The insurance on my vehicle remained in my Dad's name. Evidently, the insurance agent did not tell us it was illegal in our state for the insurance to remain in my Dad's name.
What is needed in order to get a drivers permit?
If your BF gets in an accident, you are liable for any damages caused as the legal owner of the car.
Nope, as long as the insurance for the car is in both names it will cover the cost of whatever might happen.
How does it work if i bumped into another car and it was raining and car skidded on the road.?
For instance, I borrow my father's car, and wreck it. I am not the owner but as long as I am on his policy the damage will be covered after the deductible. Also I am definitly not the primary driver either.
I am looking at becoming a taxi driver and i am looking for quotes for insurance?
As for your state though the laws could be different, but I don't see why it would matter being that both of you are insured for this car under the same policy.
My car has been vandalised, apart from insurance claim can I claim some where else?
I'm think the registered owner has to be the primary driver, when i got my insurance from MoneySupermarket.com I had to put myself as the main driver and then add my wife as the second driver becuase the car is registered in my name.It would depend on the laws for your state.
Can you get a texas vehicle inspection on saturdays?
The person best equipped to answer your questions will be your insurance agent. As long as you are both named I would assume that would cover it, but call and find out for sure.
How much does an average or junky car cost per month??
If you have insurance on the car.. you are covered for anyone driving it with the owners permission. I'm assuming the insurance is under your name? ... if not, you may have a problem. You cant insure a car that you dont own as you dont have an insurable interest in the car. When you insure a car, the insurance co asks for a copy of the registration to prove that you are the owner of the car.If you are the owner of the car, you need to be the policyholder on the insurance. but if the insurance company lets you... you can list your boyfriend as a primary driver.
Why does NationWide expect pictures and reciepts for everything ,after filing a claim?
Most companies will require the insurance to be in your name as the registered keeper with your BF as named driverGot bumped backing up; Choosing not to file a claim (no damage); higher insurance? 16 y/o. HELP!!?
I would check with the insurance company because I know with Tesco the registered keeper had to be the main driver. But I don't know with other companies.Is it one's right to ask another party's auto insurance for a copy of their investigation?
If the boyfriend isn't on the policy, or is listed as an exclusion, no coverage will be in force if he drives. He doesn't have to be a registered owner, however, read your policy closely, it could have jargon stating something like, you are allowed to loan your car with coverage to the guy down the road, but not able to loan to someone whom resides or has access to the vehicle. I got stuck on that jargon, my daughter had full coverage on her car, I loaned mine to her thinking her full coverage/comp/collision would fill the liability law in my state. Wrong.....she got in a wreck, we both got sued, and the insurance wouldn't cover because of the residing in the same house crap. Yeah, read the policy closely.More Questions & Answers ...
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