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Old 09-29-2008, 06:54 PM
 
1 posts, read 3,146 times
Reputation: 10
Default I borrowed a car with no insurance!! Need help fast!!

The transmission went out in my car 2 weeks ago and i borrowed my dads car and he said it was insured. i got pulled over last week and when i looked for the insurance card, it had expired quite a while ago. The officer just told me to get a card from him and bring it to court and everything would be fine. i called him asking if he had it and said that he thought he renewed it, then called me back and said he did not.

I purchased insurance for the vehicle with my own name today, but i'm not sure what will happen. i was only driving the car for 4 days! i can't believe this is happening.

I have always and still maintain insurance on my car, motorcycle, and apartment and i have a clean driving record.

Any thoughts as to how court will go if i bring all the docs i have?
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Old 09-29-2008, 07:27 PM
Status: "want to be beach bound, again, soon! lol" (set 21 days ago)
 
Location: home state of Myrtle Beach!
5,380 posts, read 9,425,757 times
Reputation: 2468
Wouldn't your own insurance take over in this case? If you rent a car and don't sign the insurance waiver your own insurance takes over. Isn't this the same? I'd suggest calling your insurance agent as the rental company called them to confirm coverage when I rented a car.
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Old 09-29-2008, 07:43 PM
 
Location: Chicago
2,481 posts, read 8,406,825 times
Reputation: 778
Yeah, if you have insurance, you are likely fine. You should be insured regardless of the car you drive. If you don't have insurance...well, then you're going to be in trouble. Call your insurance company.
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Old 09-29-2008, 07:54 PM
 
81 posts, read 157,686 times
Reputation: 55
I thought that it was the CAR that is insured, not the person who drives it?!?! Plus, I think that if you RENT a car then your insurance picks it up! I don't think this is the same. Does the insurance card have an effective date on it?
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Old 09-29-2008, 08:02 PM
Status: "want to be beach bound, again, soon! lol" (set 21 days ago)
 
Location: home state of Myrtle Beach!
5,380 posts, read 9,425,757 times
Reputation: 2468
Quote:
Originally Posted by TerraS View Post
I thought that it was the CAR that is insured, not the person who drives it?!?! Plus, I think that if you RENT a car then your insurance picks it up! I don't think this is the same. Does the insurance card have an effective date on it?
I don't think so. Both the car and the person are insured; I know someone that pays insurance even though he does not own a car currently.

Call your insurance agent; they will know the answer to your problem.
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Old 09-29-2008, 08:25 PM
 
11 posts, read 25,074 times
Reputation: 15
It's all up to the Judge. From my experince, you will have to eat the ticket and pay the possible $500.00 fine.

The problem is, you didn't have insurnace at the time of the traffic stop. It's your responsability to make sure the vehicle is insured before you drive it. You are very lucky it was just a traffic stop and not a personal injury accident. Whatever the fine is, have your father reimburse you. Good luck.
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Old 09-29-2008, 09:00 PM
 
Location: Not where you ever lived
10,542 posts, read 13,511,850 times
Reputation: 5082
If an insured drives a car that is insured and an accident occurs, the owner's insurances is primary. If the car owner has no insurance, then the drivers insurance is primary. You are responsible for your ticket. You may or may not be responsible for dad's lack of insurance. In fact, the car could be impounded, but that propbably will not happen.
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Old 10-14-2008, 03:05 PM
 
Location: Louisiana
1,711 posts, read 1,873,691 times
Reputation: 521
Quote:
Originally Posted by linicx View Post
If an insured drives a car that is insured and an accident occurs, the owner's insurances is primary. If the car owner has no insurance, then the drivers insurance is primary. You are responsible for your ticket. You may or may not be responsible for dad's lack of insurance. In fact, the car could be impounded, but that propbably will not happen.
90% correct.
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