NLIC.org

Katherine Said:

If i have fully comprehensive insurance can I drive someone elses car? Im 18?

We Answered:

Insurance follows cars, not drivers. And most policies have a disclaimer that they won't cover anyone under age 25 unless they are specifically named on the policy. So no.

Marc Said:

Comprehensive Car Insurance?

We Answered:

Some policies exclude this type of damage so you'll need to check with your insurance company or read your policy.

Mildred Said:

can car insurance companies check if you drive another car ?

We Answered:

The MID (Motor Insurance Database) is used to see who is insured to drive a particular car on the insurance policy that covers that car. It cannot be used to find out if someone is insured to drive a (non-specified) car. (Think of all the 'John Smith's for example)

With regard to your use - 'having access to another car' and 'regular use of another car' are different questions. You have access to your brother's car but you may not be a regular user (usually meaning at least once per week).

Having a comprehensive policy does NOT mean that anyone can drive the car NOR does it mean that your brother (or you) can drive someone else's car. If in doubt read the certificate of motor insurance which will state who can drive the car and whether the policyholder can drive any other cars.

To be honest I wish people would go and see an insurance broker who is a professional who will act on their behalf rather than rely on tittle-tattle given by people who may or who may not know what they are talking about. It may be more expensive to buy the product but you will be in a much better position if you have to claim.

Bertha Said:

Car Insurance....let's get up-to-date eh ?

We Answered:

Full coverage is not required by the state.

As long as the car is paid for, its your choice to carry that coverage or not.

People that put collision and comprehensive on an older car, know that something is better than nothing. If the car is a total loss and you do not have collision/comprehensive....then you have to eat that loss. You will get no money from your insurance company for your car. If that's not a problem for you....don't carry collision/comprehensive.

However, if you want to get a little something for your car, then carry the coverage. If your car is worth 2500 and you have a 500 deductible -- your car is deemed a total loss, you would get 2000 from the insurance company.

You decide what insurance premium you can afford.
You decide what risk you want to bear.
You decide if you want to carry full coverage or not.

You may now consider yourself up to date.

Thelma Said:

how to get a good quote for my car insurance?

We Answered:

Think most insurances are being increased as companies have increased costs and current financial problems cause reduced business ,,, so rates rise ,, Applies to most insurers , so go on line and get competitive quotes , see if anything is cheaper , but the trend is for insurance rates, car or property etc, to increase .