I got my G2 a week ago and I was wondering if I can drive my parent's insured car without being listed as a driver. I drive very safely and I've never received any ticket but my insurance quotes are insanely high, especially because I am a guy. I really can't afford it and neither can my parents. Some
I got my G2 a week ago and I was wondering if I can drive my parent's insured car without being listed as a driver. I drive very safely and I've never received any ticket but my insurance quotes are insanely high, especially because I am a guy. I really can't afford it and neither can my parents. Some people say I can still drive and some say no and I'm very confused. Please answer if you know for sure.
Thanks in advance
Emma: cops have to read it in ENGLISH
With 15 years as a broker in Ontario, I've been asked this a few hundred times. And believe it or not, it's a yes and a no. That's because there are 2 sets of laws governing this stuff.
Under the cold hard traffic laws, you're legal to drive. In all of Canada and USA, you need three things in order to legally drive someone's car: Valid licence, the vehicle must be insured by its owner, and the owner's permission. As long as you have all three of those and can prove each one, you're legal.
Cops only check to see if the vehicle has valid insurance coverage on it, and they don't care about listed drivers on the policy. They don't even have access to that information. So if a cop stopped you and you showed them the insurance card, you'd be totally good.
Under contract law, and an insurance policy is a contract, not so much. There is a clause in every policy saying that if material non-disclosure or misrepresentation occurs, the insurer can refuse to cover a claim and the contract will be voided. And trust me, they're dead serious about that stuff. You'd maybe get away with it if you literally got your G2 last week and your folks haven't had time to notify them yet, but don't push it longer than that. The #1 way to get screwed by an insurer is when people 'forget' to have new drivers listed on the policy.
THE CATCH: There isn't one for you, just for your parents. They own the car, so they're legally responsible for it and any damage it does. If they give you permission to drive and you get into an accident, that's not your problem. Any tickets you get will be your problem, but the accident is theirs. If the insurance company refuses to pay for the damage, that's the owner's problem and not the driver's. That's why permission to drive is so blasted important.
Yes and no. And before you receive the usual handful of answers saying "cars are insured, not people", you can ignore them in advance. Those answers are just dead wrong.
In order to drive a vehicle in any province or state, you need three things. You need a licence to drive the vehicle, the vehicle needs to have proof of valid insurance and registration (and inspections and whatever else is needed by the jurisdiction), and you need the owner's permission to drive it. If you don't have all three, you're in legal trouble if you get caught. If you have all three, your legal butt is covered.
Cops in North America only verify that a vehicle has valid insurance, nothing more. They don't care about limits or optional coverage, nor do they care about who is or isn't listed on the policy as a driver. They don't have access to that information, and they don't care because it's not their job.
But wait… then how come everyone says you need to be listed on your parents' policy, right? Because you do, because there's more to insurance than just showing the ID card to a cop. The whole reason people buy insurance, the whole reason it's required by law, is because accidents happen and they happen a lot. And the reason insurance costs so blasted much for you is simple: You're not as safe a driver as you think, in fact you're almost guaranteed to crash in the next 24 months.
That's where things get really interesting. Insurance companies don't like waiting until an accident is reported to find out there's a new driver in the house. Your parents signed a contract with the insurance company, and they agreed to notify them of any 'material changes' to the information they provided. One thing to remember, and never forget this, is that insurance companies don't ask questions they can't look up the real answers to.
If you crash your parents' car and they 'forgot' to add you as a driver, the insurance company can (and will) refuse to cover the accident and cancel the contract due to non-disclosure. Non-disclosure is the legal term for lying by omission. That leaves your parents with two options: Either pay for all the damage themselves, or have you charged with stealing their vehicle. Neither one of those is a very good option.
No No NO you can not drive the car without being insured , get in a accident , then find out the hard way why you need insurance. The insurance will void the contract unless your on it and pay your fair share , so do have money to pay for a lawsuit ? if your at fault ?