no insurance

I haven't been here in awhile. Life had been going good. Most of our child support issues resolved....things were great. Then my husband lost his job. We had to let the car insurance expire.....more important to put food on the table. (I know this is not a good excuse, but we were doing the best we could) My husband was driving his car (with no insurance....big no no) when he was pulled over. He was sited and has a court date.
The problem is we sold his car. He is now driving his mothers. He is not on her policy. He doesn't have a car to insure. How does this affect his court hearing? We are in Kentucky.

Paula

[I AM ALWAYS LIABLE]

My response:

Hello, Paula. I remember you, from so long ago.

Well, the fact is, it doesn't affect his court hearing. It doesn't matter that you've sold the car. The fact remains is that he was caught driving without insurance, and he will have to pay a hefty fine, and may lose his license in the bargain.

What is now worse, is that he is placing his own mother in great financial peril by driving HER car, and is still uninsured. This is not good.

But, he's going to do what he's going to do, and there's nothing I can say to make him stop. Also, his Mom apparently realizes the problems she's causing herself by allowing him to drive her car. I hope he has an Angel watching over him.

IAAL

Hello IAAL, it has been a long time. I actually miss the sight, as well as hearing from you. Thanks for your response. This is what I was affraid of. I hope the judge will have mercy on him and only instill a fine. This is his first offense, of any kind. He has a great driving record. Maybe this will be of help. His mother's insurance covers anyone who drives her car.
Again, thanks and nice hearing from you.

Paula

I live in New York, thus I don't know what the law is in your state, but I would imagine the same applies in this instance, that is, as long as a person has permission, he can drive another persons car. The car must be insured, not the driver.If a person has no car, what are they insuring? The court part, I have no answer. Good Luck.

I'm NOT a lawyer, however I became an insurance agent in March 1986.

Insurance agents are like many professionals, we specialize, and we must be licensed to sell in each state.

Thus, I can NOT give you advice for KY, and especially with reading teh policy to check for exclusuins, limitations, riders, and endorsements, PLUS special policy provisions.

Point #1 NEVER ASSUME that a person is covered by insurance. The policyholder may have agreed to certian restrictions to get lower rates, such as she is the only covered driver, or all drivers are above a certain age.

Point #2. Most policies require that a driver to be covered that they must be properly licensed. Many states have a requirement that anyone found guilty of driving without insurance have their license suspended for a MINIMUM of 6 to 12 months. Then they have to go through an expensive process to get their license back.

Your husband might be able to get a permit to ONLY drive TO and FROM work. The judge may REQUIRE that he prove that he is covered by his mothers insurance. That may require an endorsement or for him to be listed as a driver on her policy.

If he is NOT covered and he has an accident, then a lawsuit could cost his mom all she has including her home. If he's NOT covered, then even the repairs to her car may NOT be covered.

As "I'm Always Liable" suggested, his driving his mom's car can place her in serious LEGAL and FINANCIAL liability.