Contrary to popular belief, car insurance typically follows the car — not the driver. If you let someone else drive your car and they get in an accident, your insurance company would likely be responsible for paying the claim, depending on the coverages in your policy.
Can I insure a car and not be the main driver?
You can insure a vehicle you don’t own, but you must tell the insurer that you’re neither the registered keeper nor the owner. … Some car insurance companies may only insure you as the main driver if you’re also the registered keeper.
Can my car be insured but not me?
Can I get my car insured under someone else? Usually, the owner of the vehicle is a “named insured” on the auto policy. But if another person — other than the owner — is willing to pay for auto coverage for your car, most insurance companies will allow it.
What happens if someone else is driving my car and gets in an accident?
If someone else is driving your car and another person causes the accident, the at-fault driver’s insurance is usually responsible for covering costs. On the other hand, if the driver of your car is at fault, your car insurance will usually cover damages.
What happens if you get caught driving a car you’re not insured on?
Failing to have car insurance can result in six to eight penalty points on your driving licence. These points stay on your driving record for 4 years. You can be disqualified from driving if you have 12 or more penalty points within three years.
Can the main driver be different to the registered keeper?
Re: Registered Keeper not the main driver
Yes, because someone other than the RK is the main driver of the car.
Does it matter who is main driver on car insurance?
The main driver (or vehicle policyholder) is the person who drives the vehicle most often and earns no claims discount. They do not need to be the principle policyholder but they must live at the same address as them.
Can I drive a uninsured car with my insurance?
No, the vehicle you are driving must have a minimum of third party cover on. If it does not, you will not be insured.
Does my insurance cover other cars?
Driving Other Cars (DOC) insurance isn’t usually included as part of a fully comprehensive policy. Unless your policy states otherwise, you’ll only be able to drive your partner’s car if they’ve added you as a named driver or have a family or any driver car insurance policy.
Can you drive another person’s car?
A person can legally drive your car if they are a named driver on your policy. It’s easy to add a named driver to your policy. … You’ll need their driver’s licence and past driving history details to do so. If they are not a named driver on your insurance then the policy will provide no cover if they are driving.
What happens if someone else is driving my car and gets in an accident in Florida?
If you have an accident while driving someone else’s car, Florida laws say that you should have coverage under the vehicle owner’s insurance. … A vehicle owner could face liability for damages when their vehicle is involved in a collision that leads to another driver’s injuries, even if you were driving.
What happens if someone else is driving my car and gets in an accident Ontario?
What happens if the person borrowing my car gets into an accident? In most cases, if you give permission to someone else to drive your car and they are involved in an accident, your insurance will likely cover the costs. … They will be asked to show proof of your auto insurance.
What happens if the person at fault in an accident has no insurance in Ohio?
Since Ohio is an at-fault insurance state, negligent drivers must pay for any healthcare expenses, vehicle and property damage, and other related expenses incurred due to the accident they caused. If the at-fault driver does not have insurance, you can file a lawsuit in civil court.
What is the maximum penalty for driving without insurance?
What is the maximum fine for driving without insurance? There is no maximum fine for driving without insurance, because the fine can be unlimited.
How long do the police have to charge you with a motoring offence?
Is there a time limit for prosecutions for traffic offences? Generally, the Crown Prosecution Service (CPS) have 6 months from the date of the offence in which to issue proceedings, although some further time can elapse before you receive a summons.
Is driving uninsured a criminal offence?
Driving without insurance is a very serious offence, which can lead to financial penalties running to thousands of pounds, as well as a disqualification from driving or penalty points on your driving licence. … Driving without insurance is deemed an absolute offence and means there is no excuse.