you can get fined if the police finds out
Your Home will be considered Un-Insured
If you are not an insured under the definitions and terms of the owners insurance policy then you "can" be ticketed. Whether you will be ticketed depends on whether the attending officer checks his computer to see if you are in fact an insured driver or not.
A vehicle can be titled without insurance, but must be insured before getting a tag or registration. Exception: If a car still has a lien from a financing company, the car may have to be insured to change owners.
the insurance of the owners car would have to be liable. basically, your not gonna get sh*t cus driving with no license or insurance automatically makes you at fault--regardless of who really in all actuality was. DONT DRIVE WITH NO INSURANCE.
There is no retro active insurance. If someone is not insured at the time of the accident any penalties/legal actions are valid.
Yes, The insured can add a spouse to the policy as a co-insured. You don't have to be on the deed.
the insured or homeowner, unless there are some ''special'' circumstances you haven't explained
Yes they should be listed to protect their interest.
If you are "Uninsured", then you are "uninsured. You may or may not be an insured driver on the vehicle owners policy. Just because someone else has coverage for that vehicle does not automatically mean you are a covered driver. The insured should contact the insurance company or the insurance agent to determine the status of an unscheduled driver. Some auto insurance policies will cover the occasional driver while other policies will not. All drivers of a motor vehicle on public roads are required to carry proof of financial responsibility at all times.
The owner's insurance covers the car and usually whomever is driving it. Many people drive cars that belong to someone else. If you are a licensed driver, you'll be covered.
If it's a case like where the owners dog bit someone, they will be reluctant to reveal this information. When that happens, you best bet is to hire a private investigator who has access to the insurance industry insurance databases.
Yes, If a child owns the home, the legal gaurdian can purchase the coverage needed.