Simple Question

milleri1 · #1 04-02-2006, 11:05 PM

What is the name of your state? Florida

I've recently had an argument with a close friend concerning Car Insurance. Say i am a college student with no car, no car insurance, nada of the sort - However, my Dad who has insurance allows me to use his car for a year because he is leaving the country. Can i use his car legally(i.e. any damages, car wrecks, etc would be attributed to his insurance)?

I was told that i have to have insurance for *myself, and someone else already possessing insurance on that specific car would not do, but when i asked people who have actually done this and have had insurance for 30+ years, they said it would be fine to do so.

Any help?

Thanks in advance.

rachel4 · #2 04-03-2006, 12:53 AM

Quote:

Originally Posted by milleri1

What is the name of your state? Florida

I've recently had an argument with a close friend concerning Car Insurance. Say i am a college student with no car, no car insurance, nada of the sort - However, my Dad who has insurance allows me to use his car for a year because he is leaving the country. Can i use his car legally(i.e. any damages, car wrecks, etc would be attributed to his insurance)?

I was told that i have to have insurance for *myself, and someone else already possessing insurance on that specific car would not do, but when i asked people who have actually done this and have had insurance for 30+ years, they said it would be fine to do so.

Any help?

Thanks in advance.

Say you ARE a college student with no car (u need to grow up and get one

)....u need to be listed on the policy--even I know that

rachel

Shay-Pari'e · #3 04-03-2006, 04:41 AM

Quote:

Originally Posted by milleri1

What is the name of your state? Florida

I've recently had an argument with a close friend concerning Car Insurance. Say i am a college student with no car, no car insurance, nada of the sort - However, my Dad who has insurance allows me to use his car for a year because he is leaving the country. Can i use his car legally(i.e. any damages, car wrecks, etc would be attributed to his insurance)?

I was told that i have to have insurance for *myself, and someone else already possessing insurance on that specific car would not do, but when i asked people who have actually done this and have had insurance for 30+ years, they said it would be fine to do so.

Any help?

Thanks in advance.

If your father has you covered on his insurance as a driver, then you are insured. Double check the policy with your dad, .[/i][/b]

ecmst12 · #4 04-03-2006, 08:39 AM

Poor spelling notwithstanding, Rachel is correct. If you are going to drive the car on a regular basis, you need to be covered. If you're a student and still considered a dependant, then it's most likely fine for you to be listed as a secondary driver on the policy. This will increase the premiums, but not cost as much as getting your own stand alone policy.

BelizeBreeze · #5 04-03-2006, 08:45 AM

Quote:

Originally Posted by milleri1

What is the name of your state? Florida

I've recently had an argument with a close friend concerning Car Insurance. Say i am a college student with no car, no car insurance, nada of the sort - However, my Dad who has insurance allows me to use his car for a year because he is leaving the country. Can i use his car legally(i.e. any damages, car wrecks, etc would be attributed to his insurance)?

I was told that i have to have insurance for *myself, and someone else already possessing insurance on that specific car would not do, but when i asked people who have actually done this and have had insurance for 30+ years, they said it would be fine to do so.

Any help?

Thanks in advance.

have dad call his agent.

milleri1 · #6 04-03-2006, 10:05 AM

Quote:

Originally Posted by rachel4

Say you ARE a college student with no car (u need to grow up and get one

)....u need to be listed on the policy--even I know that

rachel

Excuse me for being frank -

"Grow up"(because maturity is based on possessions) and get a car, or save a ton of money on a car that would largely sit around and collect pollen?

I have 3 roommates(1 who is the same major/specialization as me) who all have cars. One of them i can use his car to get groceries. It's not a requirement to have a car, especially in the case of a college existence because 90% of what i do doesn't involve me going somewhere else. This is all very off topic though.

Thank you all for responding. One, i am not a dependent - claim my own taxes. Two, i don't think i'm on my dad's insurance "officially" as even a part-time driver, so i'll probably have to talk to him about that.

rachel4 · #7 04-03-2006, 06:18 PM

Quote:

Originally Posted by ecmst12

Poor spelling notwithstanding, Rachel is correct. If you are going to drive the car on a regular basis, you need to be covered. If you're a student and still considered a dependant, then it's most likely fine for you to be listed as a secondary driver on the policy. This will increase the premiums, but not cost as much as getting your own stand alone policy.

whaddaya mean by poor spelling

Zigner · #8 04-03-2006, 06:52 PM

Quote:

Originally Posted by milleri1

What is the name of your state? Florida

I've recently had an argument with a close friend concerning Car Insurance. Say i am a college student with no car, no car insurance, nada of the sort - However, my Dad who has insurance allows me to use his car for a year because he is leaving the country. Can i use his car legally(i.e. any damages, car wrecks, etc would be attributed to his insurance)?

I was told that i have to have insurance for *myself, and someone else already possessing insurance on that specific car would not do, but when i asked people who have actually done this and have had insurance for 30+ years, they said it would be fine to do so.

Any help?

Thanks in advance.

Do you live with dad? That's the key.

milleri1 · #9 04-03-2006, 07:56 PM

Quote:

Originally Posted by rachel4

you're excused

. And, you're right. Sounds like you don't need the added expense of a car. I was just being facecious. Good luck in school--
rachel

Thanks

Yeah, it's typically pretty hard to detect sarcasm or statements in jest when we're defensive. Apologies for that.

Quote:

Originally Posted by Zigner

Do you live with dad? That's the key.

Newp.

justalayman · #10 04-03-2006, 08:06 PM

Ok folks, here is the answer per my insurance agent. I am a Mich, res so I would speak with the insurer to see if it is the same where you live.

I can allow anybody that is not specifically restricted from my insurance to drive my vehicles. They will be covered the same as if I was driving the vehicle. If the driver is a more than "occasional" (no exact definition given for this) they need to be listed as a secondary driver.

So in your situation, my insurance company would consider you to be a secondary driver and need to be listed as such, ALTHOUGH there is no definition of "occasional" and you would still be covered even if you were not listed as a secondary driver. (I asked)

They would probably balk at a claim if they new you were driving the vehicle for a year without being claimed as at least a secondary driver. You would actually become the primary driver for this time period. I don't know if they could actually deny a claim though.

ecmst12 · #11 04-04-2006, 02:23 PM

I know in my state though(or at least with my company), if a child is not a dependant and not living with the parent, then he/she CAN NOT be a secondary driver and would HAVE to have his/her own policy. So check with your insurance company, you may have to get your own policy for the year that you will have the car.

Still cheaper then car payments though.