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Old May 22nd, 2007, 01:18 AM   #41
Mr. Beefy
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Ok... Lets say my dad insures my truck and i drive it... am i covered? I cant afford the 2Grand every 6 Anyone know? I have to have full coverage on it cauz of the loan
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Old May 22nd, 2007, 01:23 AM   #42
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Ok... Lets say my dad insures my truck and i drive it... am i covered? I cant afford the 2Grand every 6 Anyone know? I have to have full coverage on it cauz of the loan
how old are you ?? Make sure your insurance covers all drivers in your household.
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Old May 22nd, 2007, 01:25 AM   #43
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Im 19 and if im on the insurance its 2000 every 6 and my dad told them that i dont live at home...
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Old May 22nd, 2007, 01:41 AM   #44
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Im 19 and if im on the insurance its 2000 every 6 and my dad told them that i dont live at home...
Then you're prob. not covered but im not 100% sure.. Someone will chime in and confirm or correct im sure..
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Old May 22nd, 2007, 07:33 AM   #45
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as long as you are a licenced INSURED driver. That means you need to have some other vehical of your own. I dont quite know how it works if this will be your only car and you dont have insurance on something else. I know when i had an ex use one of my cars for a few months when she was visiting, she didnt have insurance but my state farm said as long as she was licenced it was ok. Anything that may happen would be just as if i did it though.
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Old May 22nd, 2007, 08:44 AM   #46
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It may very well depend on your specific policy. Some policy's cover permissioned drivers (i.e. anyone who has permission from the owner to drive the vehicle), but not all policies do this, and some may have a limit to what a permissioned driver is (i.e. if your the sole driver of the vehicle, even though it's in your dad's name). It's best to make sure they know that you drive the car, unless you can get a statement (preferably written) by someone from the agency that says you can drive the vehicle.
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Old May 22nd, 2007, 11:42 AM   #47
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what i was told by progressive, when i changed insurance co.s (apparently you have to be 80 yrs old with liberty mutual) all licensed drivers are covered, which is why i had to get an exemption written in so my little sister cant drive it. (if she didnt live at home it wouldnt matter) by writing that in, my rate dropped by $950/6 mo's
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Old May 22nd, 2007, 01:17 PM   #48
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I love my insurance agent. He doesnt say anything about any of our vehicles. He came and took pictures of all of the vehicles, the house and stuff after I got my policy. Farm bureau or whatever I have is cheap and great service. Oh yeah they also answer/ask all of my questions in email since I am not a phone lover.
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Old May 22nd, 2007, 01:27 PM   #49
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you can get an umbrella policy
The umbrella should cover you if you hurt or mame someone. Kinda of nice to have so none of the sue happy SOB's get all of your assets.
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Old May 22nd, 2007, 01:45 PM   #50
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Ok... Lets say my dad insures my truck and i drive it... am i covered? I cant afford the 2Grand every 6 Anyone know? I have to have full coverage on it cauz of the loan
Auto insurance goes with the Vehicle. If the vehicle is insured, and person driving the vehicle has permission to drive it, then you are covered. The only time you would not be covered is if the policy holder signed a "Named Exclusion" banning you from coverage on the stated vehicle.

This is why if someone on here drove my Jeep with my permission, they would be covered under my policy and the declarations supporting it.

As far as lifted vehicles- all agencies are differant. They must provide Liability if they have bound coverage for a vehicle. They can be bastards about collision or comprehensive (other than collision) and possible cancel or non-renew depending on modifications made or found out about due to a claim. Again, it's directly related to your adjuster and agent. If an agent out-right declines or cancels once they found out, I'd find someone else.
In most cases, the company would pay for repairs to all none modified components and leave you responsible for the rest, unless you have a floater to cover aftermarket upgrades.
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