I believe that I understand what you are asking. If I am not correct ask it again and I will try to do better. Auto insurance generally follows the vehicle and not the driver. Only the person who owns the vehicle can insure are vehicle except in a situation of an immediate family. One policy can cover members of the family even if the vehicle is in the name of other members of the family as long as they all live in the same household.
The insurance on a vehicle should be in the name of the Registered owner of the vehicle. Any permissive driver should also be added to the policy as a driver if you are a regular driver or if you live in the household. Either of these requires that you be listed on the policy not both of these. The owner of the vehicle is bound by legal contract to add any regular drivers and household members. If these people are not added to the policy, the contract has been voided and the insurance company can decide not to pay any claims involving such unlisted drivers.
In Texas, Yes, It will cost more for Insurance for a new driver whether or not he is the registered owner of a vehicle.
If the registered driver has died, then legally there is no insurance on the vehicles, because the person who opened the insurance account ceases to exist.You need to contact the insurance company and let them know the registered driver is deceased. They will have better information, since policy can differ depending on company and region.
As the registered owner you can be held responsible and financially liable for the actions of the drivers you allow to operate your vehicle. It would therefore be advisable to maintain your auto insurance.
In the United States, anyone who is able to get a driver's license can get car insurance. The driver's license holder must be have insurance in their own name, or they can be added to a primary driver's insurance.
It is if you are listed on the policy as a driver.
In California, the registered owner of the car is the primary responsible party, but you can both lose your driver's license for driving an uninsured vehicle, or fell to meet "financial responsibility" i not to mention getting a stiff fine for no insurance in ca.
it may depend on the state, but when I was in the insurance business in Tennessee, the primary insurance on the car kicked in first, then if that insurance didn't cover the damamge (IE: insurance limits were too low, or there was no primary insuance) then the driver's insurance kicked in.
Typically, the uninsured driver will be cited for it, and your insurance co. is liable for the damages.
You should be able to get insurance on the car no matter who it is registered to. If the company asks paperwork all you should have to do is tell them its in your parents name. Everytime I've gotten insurance I don't think I've ever had anyone ask for more than the VIN number and a car inspection and money.
Yes. In the United States it is called "uninsured motorist coverage." Oops, I misread the question. UMC described above is if someone without license or insurance hits your car. You can be insured on a car owned by a banned driver as long as you are registered to drive it. The cheapest way to go in that situation is to register yourself as the primary driver and the banned driver is completely taken off the registration. This way, the banned driver still holds the title but is not registered to drive it, and the insurance will be less.
What are you asking? Have you had a motor accident? Did the other driver have a suspended licence?