Can I legally drive my mother's car if i'm not on the insurance?

[jmaxthemonster]

Im a 19 year old with a driver's license and I live in New York. My mother has insurance on the car, but I'm not on her insurance policy. If I get into an accident am I covered at all? Also from a legal aspect, if I get stopped by a cop will I be in trouble\will my mother's insurance go up?

 

[infoman6617]

dont let them fool ya .... its the car that requires insurance not the driver and the car will be covered any where in this country

 

[gomanyes562]

It depends on your mom's insurance policy. Does it include guest drivers? Does it require guest drivers to be 21? Does it include relatives?

 

[theseeker4]

I believe all you need is proof that the car is insured, I am pretty sure that you don't need to be insured for that particular car, the car itself is what is insured. I live in Michigan though, so the laws in NY may be different.

 

[Sue F]

You would have to check with the Department of Motor Vehicles in New York State in order to find out the rules and regulations that you have to follow.

In many states, you would be looked at as and uninsured driver, your Moms insurance would go up a large amount, and you and she could both be fined.

You could also have points put on your license, which is not a good thing.