If you drive your parents car then you are required to be scheduled on your parents policy. Failure to do so would be considered insurance fraud by concealment of a known risk. Such concealment can relieve the insurer of any liabilities should an accident or other loss occur while the concealed driver is operating the vehicle, this means they can deny the claim.
All auto insurance policy contracts do require disclosure of all drivers in the household whether licensed or not. All household drivers must be either scheduled for coverage by name or excluded from coverage by name. If you choose to exclude the driver then no coverage is afforded to that driver under any circumstances if an accident or other loss occurs. They are basically driving uninsured and subject personally to all the liabilities, accompanying fines and penalties of any uninsured driver.
That being said, No, There is no legal requirement of law that all insureds in a household be covered under the same policy nor even the same insurance company, but all drivers must have proof of financial responsibility when operating a motor vehicle on public roads.
In some states yes and in others no. Without knowing your state I can not say but call your insurance company.
No. Added: Once they receive it they are then a fully licensed driver and legally responsible for their own actions behind the wheel. Insurance companies require that they be added to their parents policy (or get their own).
yes , just because they are not licensed or insured does not mean they cannot be an owner/ jt owner of a vehicle , however if they are an operator they obviously must be licensed and should be insured.the former not being a valid reason to raise your premiums since they are not a licensed operator
No. If you had broadform insurance he would be able to drive any vehical you own as long as you NAME him a driver. Broadform is nice for people with more then one vehical.
If the car you are driving is insured then you are not driving without insurance.
If you live in a household with an automobile that you use at all or plan on using ever, you would need to get insurance. For example, if you live with your parents and your parents are insured, you would still need to get your own insurance in order to drive their cars. If you do not, you can still drive other people's cars under most circumstances without insurance, you would be covered under the car owner's insurance assuming you use their car with their consent. For a second example, imagine you live with roommates, and one of them lets you borrow their car on occasion. As long as they are insured, you would be fine to use their car.
There are legal requirements that all drivers be insured- as well as licensed and carrying proper registration documents- separate from the driver"s license and of course obligatory license plates.
Providing you DO NOT live at the same address as the insured (in Massachusetts)
If you leave home without your parents permission, then they can have you picked up and returned home.
Yes. You need to be licensed before you can drive, legally. Not only you can get in trouble but your parents as well. Even if they did not know you were driving without a license.