Car Insurance Question..

[animeal]

Can someone please explains this to me? If a family members car is insured and I take it(w/ their permission) to lets say..buy groceris...and if I get in an accident....does insurance play any part in this accident? I mean.. Im using the car but Im not the owner of the car. Someone told me that insurance only works for the owner...I thought your getting CAR insurance..for the car... :confused:

PLEASE only reply if you know about this for sure and you have been driving w/ insurane for a while..

[j.m@talk]

Pends on the policy I guess ..........

Mine just covers me ........ Cheaper that way .......... & no you can't borrow it ;)

[Strawbs]

Both the car & driver needs to be insured.

If you borrowed an uninsured car, but you have insurance yourself! when you park the car it becomes uninsured - a criminal offence.

If you are not insured at all, but the car is insured by the owner - you are driving without insurance - a criminal offence.

If both you and the borrowed car are insured, you are only covered for third-party damage should you get involved in an accident of your own making - i.e. others' property will be repaired by the insurer, but the car you were driving will not be.

I had similar questions a few weeks back and went to the local Traffic Police to ask. :t

BTW: This is valid for Britain - don't know where you hail from. ;)

[j.m@talk]

Yeah but who insures the groceries ? :D

:t

[BadDriver]

I have uninsured motorist so I think that covers me no matter what. Not too sure on that though. I know I am covered to drive anybody's car.

JM, lend me yer wheels OK? :D

[j.m@talk]

JM, lend me yer wheels OK? :D

Ferk Ourf :mad:

Its a proven fact that Yankees are freekin useless drivers :t

[Strawbs]

Its a proven fact that Yankees are freekin useless drivers :tain't that the truth, Ruth! Every week outside RAF Lakenheath some new arrival USAF hot shot cripples himself in a head on car crash with a local, because they refuse to drive on the left.

The wrecks are displayed just inside the gates as a warning to others.

Yeesh, you'd think they'd learn. :rolleyes:

[mireland]

ain't that the truth, Ruth! Every week outside RAF Lakenheath some new arrival USAF hot shot cripples himself in a head on car crash with a local, because they refuse to drive on the left.

The wrecks are displayed just inside the gates as a warning to others.

Yeesh, you'd think they'd learn. :rolleyes:


if you'd drive on the RIGHT like MOST of the civilized world.... :p

[j.m@talk]

Yeesh, you'd think they'd learn. :rolleyes:

Fick as pig poop .......... :mad:


if you'd drive on the RIGHT like MOST of the civilized world....

Well considering we had roads first ........ Mighta been a novel concept to follow our lead :cool:




)-|

[Strawbs]

Well considering we had roads first ........ Mighta been a novel concept to follow our lead :cool:

)-|Oh! Heaven forbid that they might consider following the Motherland! That would be admitting defeat...............for once. They'd much rather crash & burn. :r

[j.m@talk]

Fick as pig poop .......... :mad:

Muhahahahahahahahahaha :t

[mireland]

Oh! Heaven forbid that they might consider following the Motherland! That would be admitting defeat...............for once. They'd much rather crash & burn. :r

still bitter over losing the BIG war are we??? :rolleyes:

[mireland]

Muhahahahahahahahahaha :t


KOFF!

[BadDriver]

Well, since yas always put the steering wheel on the wrong side of the car I'd call it a Brit engineering problem vs a Yank driving problem. If yad just put the steering wheel in proper, this stuff could be avoided.

Buncha backwards turkeys.:(

[mireland]

Well, since yas always put the steering wheel on the wrong side of the car I'd call it a Brit engineering problem vs a Yank driving problem. If yad just put the steering wheel in proper, this stuff could be avoided.

Buncha backwards turkeys.:(


http://www.fancysplace.com/smileys/pfffff.gif

[j.m@talk]

Buncha backwards turkeys.:(

Perpetually spoutin bollox again :rolleyes:

http://img483.imageshack.us/img483/4323/image00459ad.jpg
The way fings should be done :mad:

[BadDriver]

The proper way.:mad: See how much better yas can see than in yer ol Limey pic JM??

http://www.canadiandriver.com/news/04images/05fivehundred_2.jpg

[mireland]

Perpetually spoutin bollox again :rolleyes:

http://img483.imageshack.us/img483/4323/image00459ad.jpg
The way fings should be done :mad:



:rolleyes:

[BadDriver]

Yeah, see how blurry fings are Lando? No wonders they wreck so much.:mad:

[j.m@talk]

Yeah, see how blurry fings are Lando? No wonders they wreck so much.:mad:

Corrected :-@

http://img483.imageshack.us/img483/4008/05fivehundred21lo.jpg

[Strawbs]

Proper! :-@

[j.m@talk]

Key hole is on the wrong side tho :rolleyes:

[mireland]

oh whatever...merry ol Enland..pip pip...suck a tea bag and all that... :D

[j.m@talk]

You ain't "Teabaggin" me :mad: ....................... Nooooooooooooooooooooo

[BadDriver]

You ain't "Teabaggin" me :mad: ....................... Nooooooooooooooooooooo

Rotflmao!!:D

Lil defensive there ain'tcha Murph?

[BadDriver]

WTH is a droF? Must be some kind of backwards Brit make?

PhotoChopper.:mad:

[j.m@talk]

Drof ........... Nuvver name fer Dross ............ & I ain't talkin "Luther Van" Neither :t