If my Parents have full coverage car insurance do i need insurance?

March 20, 2017 · Posted in FAQ 
car insurance
elykmamda asked:

I just got my Licenses and Im using my Parents car They have full coverage.So anyone that drives the car is insured.Do i need to get insurance?I plan on getting my own Car in another year or so.I do plan to get Insurance but for now am i covered?

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8 Responses to “If my Parents have full coverage car insurance do i need insurance?”

  1. cowgirlintex on April 9th, 2009 9:46 am

    If you live in the household, you need to be listed on their policy. What will happen if you have an accident is that the insurance will pay, but usually drops the policy, or it skyrockets b/c a driver was not listed.

  2. rightnow on April 10th, 2009 1:51 am

    well yes and no. you see they are suppose to have you put on there insurance. in fact anyone that lives in the house that has license have to be put on the insurance.

  3. gomanyes on April 13th, 2009 8:16 am

    It depends on the policy, but in general you need to be added to the policy in order to be covered unless you don’t live at the same address.

  4. THOMAS W on April 14th, 2009 12:23 am

    Very interesting question.advise you have a visit here for useful tips.

  5. Clifford S on April 15th, 2009 12:08 am

    All members of your parents household and any other regular operator of the vehicles must be listed as drivers on your parents policy. Failure to do so is a material misrepresentation and will jeopardize coverage. When you get your own car you can add the vehicle to your parents policy or buy a separate policy.

  6. Bella N on April 17th, 2009 9:35 pm


    You need to be listed as a driver on your parents insurance. When you get your own car check out the source I’ve listed below (you’re parents can check it out too and it would probably save them money but lots of people don’t like change). They have great rates, especially for new drivers whose policies are really expensive with other companies.

    Good luck!

  7. Jim J on April 20th, 2009 3:11 pm

    You should be added in their insurance policy.
    You can compare how their quotes will change after adding you in internet, for example here – car-insurance.66ghz.com

  8. voorhees on April 24th, 2009 12:41 am

    yes, i believe you are covered.

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