Teen Driver Auto Insurance Phoenix Arizona AZ

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Reader’s Question:

I just got my driver’s license but I do not have automobile insurance yet in Phoenix, Arizona. I just want to know if I drive my friend’s vehicle even though I do not have car insurance?

Jim

Phoenix, Arizona

It depends on the guidelines of the insurance provider of your friend’s vehicle you want to operate if you can drive their car legally and be covered by insurance. In most states both the car and the driver need insurance and in others just the car so you will have to verify with the Department of Motor Vehicles to check what your state requires with regards insurance coverage.

If you just got your driver’s license and reside with your parents they should tell their insurance provider of your licensing status in Phoenix, Arizona. Normally you would have to be listed to their car insurance policy to be properly covered. So if you are going to borrow your friend’s vehicle, it would be up to the terms of your friend’s car insurance policy whether you would be covered by their insurance.

Generally though, a person’s automobile insurance will cover those that the owner provides permission to drive the car but some car insurance policies have exclusions for covering certain people.

 

Tags: auto insurance, teen insurance, Young driver car insurance