Anyone know how to carry car insurance for disabled unlicensed driver?

[hemet dennis]

Quote:
No one except your insurance agent can really answer the question.
If you're afraid to mention it, pick one at random from the phone book to call and ask how it's done

Yep go to or call any agent

 

[onthespot]

I know an insurance agent from the high desert here in CA, from on another forum. He is very sharp. I posted the dilemma in that forum, with his name at the front. I am sure he will get back with an answer tomorrow.

 

[dewey]

Just about any company should be able to issue a policy to the car owner whether they are licensed or not (non licensed being excluded from coverage). Most policies will cover other drivers as long as they have the owner's permission to drive the vehicle, as long as that person is not an excluded driver. My best friend's van is insured to cover all drivers (himself a non licensed driver due to disability) although some younger drivers in his household are specifically excluded from the coverage to reduce the cost.

 

[Stephanie739]

Quote:
No one except your insurance agent can really answer the question.
If you're afraid to mention it, pick one at random from the phone book to call and ask how it's done

Havn't had much luck with agents, but I know there are disabled folks who have a car but do not themselves drive it, so I was wondering if there is some special coverage.

Try a couple of the big companies like State Farm and Geico and the OP suggestion AAA, but definitely call a couple independent agents who represent multiple companies. Insurance laws are handled by the state, but policy guidelines are decided by the companies. If one company will not do it, try another. The couple of companies who would do this for me wanted to rate on a primary licensed driver.

Another suggestion is have the car registered (with DMV) in the owners name as well as a trusted friend or relative's name who would be willing to put the car on his or her policy. They can be co owners for with DMV for insurance purposes...just another option to consider.

 

[cassie]

Most of the time the driver's own insurance will cover him/her when he/she drives another person's car. The owner of the car may not need insurance, but just needs to make sure the driver's insurance is adequate. That said, a consultation with an insurance agent is in order.

 

[Carols Clucks]

Quote:
In California, you have to show proof of insurance to register your car, should you're insurance lapse for any reason, the company notifies the DMV and you get a letter stating that they will suspend the registration on that car (and your licence too if I remember right)

 

[cassie]

Quote:
In California, you have to show proof of insurance to register your car, should you're insurance lapse for any reason, the company notifies the DMV and you get a letter stating that they will suspend the registration on that car (and your licence too if I remember right)

You are right. I had forgotten that.

 

[onthespot]

This is what my insurance agent wrote.

It is not as difficult as you would think for an unlicensed person to insure a car. There are plenty of situations where this is common. Rich people who have chauffeurs and especially elderly or disabled people are just a couple that come to mind.

He simply needs to list the people who will be driving him most regularly, on his policy as drivers. Keeping in mind that they will be rated based on their driving record so he needs to make sure they are good drivers and don't have tickets or accidents, DUI's etc... or he will be paying for them.

Now, in the event he never has the same people driving him twice or if he has 20 different people he has a problem.

In that case he can still get insurance despite not having a license. Bristol West through Farmers Insurance is one company that will insure an unlicensed person in California. I'm sure there are others.

Once he has found someone to insure him he then needs to make sure that the policy covers
"Permissive Use Drivers." This is exactly what it sounds like; covering other licensed drivers who are not listed on the policy as drivers and who are driving the vehicle with permission of the owner.

These are usually incidental drivers such as when your neighbor asks to borrow your truck to go buy a refrigerator. If they are a regular driver of the car they need to be listed on the policy and rated accordingly.

Hope that helps

 

[RHRanch]

Thanks so much! I knew you all would come through for me. Ill pass this info on.

 

[RHRanch]

I just want to thank you all for your help - my friend finally did get insurance! (He actually lives in another state, not California.) He had spoken to the agents of several insurance companies, but had been told that the type of policy he needed did not exist. When he told me about this, i felt that that could not really be true, so I turned to BYC. I get the best answers from the folks here, and it turns out that you guys came through for me, and I really appreciate it. Armed with the info you all gave me, my friend was able to get the agents to look into it and discover that THEY didn't even understand all of the types of policies they could offer!