In California I know that you have to carry proof of insurance in your car.
What happens if I am driving someone else's car and they have proof of their insurance in the car - do I have to carry any kind of proof of insurance from my insurance company as well?
I have never given it much though, but now that my daughter is driving, I want to make sure I'm telling her the right info.
My understanding is that insurance runs with the car, not the driver.
That's why I am confused. AAA will insure me in whatever car I drive. However, I don't think I could hop into an uninsured car and drive it.
I'm under the impression that my insurance would be considered secondary.
In Texas, the driver must have insurance and proper drivers license to be able to legally drive any vehicle.
The owner of a vehicle must have insurance on all his vehicles before the vehicles can be tagged.
My insurance company gives me two proof-of-insurance cards. One is to be kept with the vehicle, the other with me.
Jim Frame, post: 355039, member: 10 wrote: My understanding is that insurance runs with the car, not the driver.
A little research indicates that it's much more complicated than that. It seems that -- in general -- liability coverage follows the driver, not the car. But there are exceptions, and there are a lot of them. I didn't have the inclination to digest them all, but if anyone's interested, check out this issue of the Claims Journal for details.
Yeah, insurance is complicated. Auto insurance doubly so.
The policy I have on my car is associated with that car, so long as it is driven by "allowed drivers". Basically, anyone who is legal able to drive and has their own insurance policy will be covered under the terms of my policy as if it were me driving. But there are some exceptions. For example, if there is someone who is in a position where they would be likely to drive my car more often than just "once in a while" (that's such a technical term, yeah?" then they must be named on my policy (along with whatever additional premiums that could impose) as a driver. For example, about 7 years ago, when I had a roommate living with me, my roommate could be considered to be a "regular driver" of my car since he lived in the same house and didn't own a car of his own. And so I would have had to name him on my policy for him to be covered while driving my car (he didn't have a license, so there was no need for that). My girlfriend, however, has her own car (and insurance) and so doesn't have to be named on my policy because she wouldn't be a "regular driver" of my car.
It is all very complex and that's why I have an insurance agent that I can just call or email to have him explain all of this to me.
Jim Frame, post: 355039, member: 10 wrote: My understanding is that insurance runs with the car, not the driver.
Jim is correct. As long as you're licensed to drive, the car is covered under the policy bought for it by the car's owner.
Probably the person that allowed you to use their car were asked when they took out their policy: " who are the primary drivers for this vehicle?" But then the usually the policy will allow that person to let someone drive their car but sometimes they specify the special conditions for limited use.
The term "uninsured motorist" means that the driver is not insured and that they do not carry insurance on their vehicle.
In the event of an accident, the owner of the car will be responsible for the actions of the uninsured driver.
Farmers Insurance has an APP that will display your insurance card at demand.
I went a step farther and made a PDF of my insurance card with CamScanner to keep on my phone in the event I can not locate the card when needed.
A TxDPS officer told me that they are able to know whether you are insured or not by running the license plate number.
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