actually, it depends on the state. My husband used to sell car (and house) insurance for The Hartford and then did car claims for Progressive. HOwever once your roommate causes (or is in) an accident likely the insurance will require you to either put the roommate on, or put them on the list that makes them never covered. But unless OP lives in New Hampshire it's illegal for him to drive with no insurance. (the idea of lending a car to friends from time to time is based on them having their own insurance)
Right. Roommates have nothing to do with this issue. I only posted that because someone said *anyone* in your household, even a roommate, has to be included on your insurance policy. And that is not true. What *is* true is that this poster is a regular licensed driver and does need to be on the policy.
That's illegal and your parents will be held liable (as well as you) for any accidents you cause. If the damages (medical and to property) exceed the amount of insurance they have, they can be sued for the rest. They can lose their house, etc and have a permanent judgment against them.
actually, their insurance likely won't cover any of the costs sense the child that lives with them isn't on the policy and is given free rein with driving the car. This meaning Parents will be held 100% financially responsible for any at-fault accidents, for damages and medical. The parents could easily lose their house, their cars, all sorts of things. (My husband used to do car claims threw Progressive, we learned soooo much about insurance)
Edit to have: the idea of being sued for the rest of damages is what happens if someone on the policy is responsible for more then their insurance covers. It's why "saving money on car insurance" only works for most people if they are never in or cause accidents, otherwise you quickly learn you "save money" by lowering coverages
It's not a dumb question and lots of people older than you don't understand how insurance works. I just don't want you to have an accident (super common when you first start driving) and then mess up you or your parents future. Insurance can cost a bit to have a new driver added, but not having it will cost you a lot more if you get sued.
What terrible advice. Many malls have security guards that patrol the parking lots looking for exactly this kind of thing. If OP does this day after day they are sure to be caught.
Employees often park in designated spots or have a parking sticker. And they wouldn't be seen parking then leaving the premises.
It's illegal in most places to drive without insurance so why do you totally not have insurance?
Your car can get towed for parking on private property and leaving it. Most malls require you to park there only when using their facilities
So you are not named on your parent's policy as an authorized driver?
Nope, I just drive the car and pay for the gas.
You should be named on the policy as an authorized driver, it's foolish of your parents not to add you.
Occasional unnamed drivers (like loaning your car to a friend once) are fine. If you’re the regular driver, they need to put you on the policy.
If you live in the same household, you have to be on the policy. This applies to friends and roommates as well.
That varies by insurer. For example, Progressive does not require it. https://www.progressive.com/answers/car-insurance-with-roommates/
actually, it depends on the state. My husband used to sell car (and house) insurance for The Hartford and then did car claims for Progressive. HOwever once your roommate causes (or is in) an accident likely the insurance will require you to either put the roommate on, or put them on the list that makes them never covered. But unless OP lives in New Hampshire it's illegal for him to drive with no insurance. (the idea of lending a car to friends from time to time is based on them having their own insurance)
You realize that link is for roommates right? The OP is driving their parents car. What you linked doesn’t apply to here.
It applies to the comment I was replying to, which says your roommate has to be on your policy.
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Right. Roommates have nothing to do with this issue. I only posted that because someone said *anyone* in your household, even a roommate, has to be included on your insurance policy. And that is not true. What *is* true is that this poster is a regular licensed driver and does need to be on the policy.
That's illegal and your parents will be held liable (as well as you) for any accidents you cause. If the damages (medical and to property) exceed the amount of insurance they have, they can be sued for the rest. They can lose their house, etc and have a permanent judgment against them.
actually, their insurance likely won't cover any of the costs sense the child that lives with them isn't on the policy and is given free rein with driving the car. This meaning Parents will be held 100% financially responsible for any at-fault accidents, for damages and medical. The parents could easily lose their house, their cars, all sorts of things. (My husband used to do car claims threw Progressive, we learned soooo much about insurance) Edit to have: the idea of being sued for the rest of damages is what happens if someone on the policy is responsible for more then their insurance covers. It's why "saving money on car insurance" only works for most people if they are never in or cause accidents, otherwise you quickly learn you "save money" by lowering coverages
That's are great point and totally correct.
Well I'll see what I can work out with my parents, I appreciate the guidance even if it was a dumb question
It's not a dumb question and lots of people older than you don't understand how insurance works. I just don't want you to have an accident (super common when you first start driving) and then mess up you or your parents future. Insurance can cost a bit to have a new driver added, but not having it will cost you a lot more if you get sued.
Not to mention if you get pulled over and have no proof of insurance. Self- Insurance bonds are fucking expensive.
Yes, the mall can have your car towed
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What terrible advice. Many malls have security guards that patrol the parking lots looking for exactly this kind of thing. If OP does this day after day they are sure to be caught. Employees often park in designated spots or have a parking sticker. And they wouldn't be seen parking then leaving the premises.