First, the state being considered is New York. I am 21 and have my driver's license. I do not own a car or have any kind of driver's insurance. Our family owns two cars that are both registered under my father's name. The car insurance policy on both cars is under my father's name and lists only himself and my mother. That is to say, I am not listed on the car insurance policy.
Previously, I was at school 200 hundred miles from home with no car, so there was no issue. But now I am at home.
I do not drive the two cars mentioned above without permission from my parents. The only time I drive is when it is absolutely necessary, such as when I bring my sister to school or pick her up. I would say I drive on average twice a month.
Does my father need to explicitly call the car insurance company and have my name listed under his policy? I have spend much time searching the internet and have been unable to find a clear answer.
The New York State DMV only talks about the requirement of having the vehicle insured, and does not specify whether drivers themselves must be listed under a policy.
According to "The Truth About Insurance Website" 's page on Auto insurance, since I am a family member of the named insured (my father), I would be covered under the name insured's policy.
Link:
[http] :// [www]. thetruthaboutinsurance. [com] /auto-insurance-am-i-covered/
What is the consensus? Am I okay given the conditions on when I would drive the car?
Of course, the best method of resolving the issue is to call the car insurance company directly and ask because they need to know such information anyhow, but in all likelihood the premium would go up and our family is in no mood for the bills to increase any further... I got the driver's license for the sake of being able...
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