Off Topic: The Flood
This topic has moved here: Subject: Driving Question
  • Subject: Driving Question
Subject: Driving Question

Me and my parents got in a heated debate earlier on whether or not it was okay for me to drive their car(s). I want to know if I'm right or wrong... so here's the thing:

In August my car was stolen. Since then, I haven't yet purchased a new car but my parents have not been letting me use their cars either. They claim that it's illegal for me to drive. I obviously have a driver's license, and both of them have insurance, so I don't see how their reasoning is valid at all. So, what say you, Flood? Am I legally allowed to drive?

Moreover, let's say hypothetically that I have my own insurance on my own car... could I drive my parents car(s), or anyone else's, if need be?

[Edited on 12.27.2012 2:56 PM PST]

  • 12.27.2012 2:46 PM PDT

You Should Be Able To Drive Their Car(s), But If They Don't Want You To I Guess You Wont Be.

  • 12.27.2012 2:47 PM PDT

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It sounds like they just don't want you using their cars.

  • 12.27.2012 2:47 PM PDT
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Are you listed on their insurance? If not, then they have a point.

  • 12.27.2012 2:47 PM PDT
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Posted by: Telec
Remember kids: when Uncle Delta tells you he has sweeties, he isn't lying.

Now get in the van.


The Black Chapter


Posted by: Teleidoscope
and both of them have insurance, so I don't see how their reasoning is valid at all. So, what say you, Flood? Am I legally allowed to drive?


Unless you were insured on their cars, yes it would be illegal.
Them having insurance doesn't mean that their cars are free game for anybody with a licence

[Edited on 12.27.2012 2:49 PM PST]

  • 12.27.2012 2:48 PM PDT
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You have to be insured on their cars.

  • 12.27.2012 2:48 PM PDT
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Posted by: Der Todesengel
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Posted by: Telec
You have to be insured on their cars.


This

And since you're young and male, that means alot of $$$

  • 12.27.2012 2:50 PM PDT

Posted by: Telec
You have to be insured on their cars.
Okay. But let's say one of my friends was too drunk to drive, and I had to use their car to drive them home. Would I technically have to be on their insurance, too? I'm confused.

[Edited on 12.27.2012 2:54 PM PST]

  • 12.27.2012 2:50 PM PDT
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Posted by: Teleidoscope
Posted by: Telec
You have to be insured on their cars.
Okay. But let's say one of my friends was too drunk to drive, and I had to use their car to drive them home. Would I technically have to be on their insurance, too? I'm confused.

Yes, you can get a ticket for driving w/o insurance. Just get a cab.

  • 12.27.2012 2:51 PM PDT
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Posted by: Der Todesengel
This doesn't mean I don't still hate you


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Posted by: Teleidoscope
Posted by: Telec
You have to be insured on their cars.
Okay. But let's say one of my friends was too drunk to drive, and I had to use their car to drive them home. Would I technically have to be on their insurance, too? I'm confused.


Technically, yes. But, if you were to get pulled over driving your drunk friend home, the officer would likely let you off with a simple warning. However, given the context of this thread, your friend isn't legally able to drink.

  • 12.27.2012 2:53 PM PDT

Thanks for the quick replies. One more question... say I had my own insurance on my own car... could I drive my parents car(s), or anyone else's, if need be?

  • 12.27.2012 2:54 PM PDT

Posted by: AngryBrute1
Oh yeah, since somebody does not believe what YOU believe; that makes us vapid...
I cannot grasp that what you call "Something happened to nothing, and that nothing became something, and it was smaller than than a period."

Posted by: Telec
You have to be insured on their cars.


Also, I think it has to do with them thinking you will get their car stolen.

  • 12.27.2012 2:54 PM PDT

Jack of all trades, master of none.

You need to be insured to drive their cars. My parents have insurance that covers anyone over the age of 21, with their permission.

The insurance is just for the car, it's also for the driver.

  • 12.27.2012 2:56 PM PDT
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Posted by: Telec
Remember kids: when Uncle Delta tells you he has sweeties, he isn't lying.

Now get in the van.


The Black Chapter


Posted by: Teleidoscope
Posted by: Telec
You have to be insured on their cars.
Okay. But let's say one of my friends was too drunk to drive, and I had to use their car to drive them home. Would I technically have to be on their insurance, too? I'm confused.

Same question, but if I had my own insurance on my own car... could I drive my parents car if need be?


No. Insurance is very rarely flexible as to the driver unless it is a company car.
To drive a car legally you have to be insured on it - that means your name has to be down on the insurance forms unless you just 'third party' yourself.

  • 12.27.2012 2:56 PM PDT

Posted by: deltahalo UK
No. Insurance is very rarely flexible as to the driver unless it is a company car.
To drive a car legally you have to be insured on it - that means your name has to be down on the insurance forms unless you just 'third party' yourself.
Third party? And basically you're saying that insurance isn't just for the car, it's also for the driver?

  • 12.27.2012 2:59 PM PDT
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Posted by: Telec
Remember kids: when Uncle Delta tells you he has sweeties, he isn't lying.

Now get in the van.


The Black Chapter

You can insure yourself against lawsuits and liability and the like with very basic cover, which generally doesn't do much in terms of paying for any repairs for you. You can insure yourself as third party and be insured to drive most cars but it can be a bit risky for your bank account if -blam!- hits the fan.

The average insurance deal covers the car for use by named drivers (adding premiums for the risk each driver is seen to pose). If I take out a policy, it will generally be for the car with me named as a driver covered by its insurance, which is why insuring more powerful cars is more expensive. So basically all the typical Insurance deal is is a company agreeing to insure your vehicle in the case of theft or damage, with the allowance of certain drivers ('named driver') to drive the vehicle in question. The insurance will also usually cover named drivers in cases of lawsuits.

[Edited on 12.27.2012 3:10 PM PST]

  • 12.27.2012 3:03 PM PDT

Jack of all trades, master of none.

Posted by: Teleidoscope
Posted by: deltahalo UK
No. Insurance is very rarely flexible as to the driver unless it is a company car.
To drive a car legally you have to be insured on it - that means your name has to be down on the insurance forms unless you just 'third party' yourself.
Third party? And basically you're saying that insurance isn't just for the car, it's also for the driver?


Yes.

  • 12.27.2012 3:04 PM PDT

Well wait...If the car being stolen was because you made a mistake that led to it being an easy steal (left car unlocked), then you probably shouldn't be driving your parents' cars. Otherwise, you should be allowed to drive them.

[Edited on 12.27.2012 3:12 PM PST]

  • 12.27.2012 3:11 PM PDT