Insurance for instructional driver's license?

[Joe]

What's the law about insurance for instructonal permits? The biggers concern others have about me driving their car is that, in the unlikely (heh..) occurance that I'd crash it, they don't have insurance for me.

I think that my parents insurance will obviously cover it if I'm driving their car, but who's supposed to cover me driving a friend's car? Does their's cover it, or my parents, or are we uncovered?

[rabbit]

It all depends on the plan.  Typically the owner's insurance will cover it, but if you crash a friend's car, especially with a provisional, their rates will explode.

[CrAz3D]

It all depends on the plan.  Typically the owner's insurance will cover it, but if you crash a friend's car, especially with a provisional, their rates will explode.

word.

Why would you be driving your friend's car though?

[AntiVirus]

If you don't have your license stay away from driving other peoples cars, unless it's your parents.

[Chavo]

At least in Kansas you cannot legally drive a car without a legal guardian or relative at least 21 years old in the passenger seat if you have a 'learners permit.'

If you have a license, the owners policy always covers car regardless of who is driving it unless it specifically says otherwise.  I'm pretty sure most policies will have a clause saying they provide no insurance or insurance similar to an 'uninsured driver' if the person driving is not a legally licensed driver (you).

[rabbit]

Nah.  A lot of states have a permit, provisional, and full.  Provisional is usually a restricted driving time (midnight to 6am or something), and a limit on passengers.  If he's got his permit, well, don't drive a non-familymember car.  Otherwise you're fine.

[MyndFyre]

It all depends on the plan.  Typically the owner's insurance will cover it, but if you crash a friend's car, especially with a provisional, their rates will explode.

word.

Why would you be driving your friend's car though?

Seriously.  I don't ever invite my friends to drive my car, and I've only ever been invited to drive two friends' cars (one because he was really tired, the other because he'd been drinking).

[Newby]

You shouldn't be driving someone else's car, Joe. You're supposed to be learning. Read your permit. It says whoever is 25+ (responsible for you while you are driving) is responsible for any accidents/tickets you get.

[rabbit]

Again, provisional != permit.  If he's got a permit, you're all correct, but if it's provisional (as he says), he's technically a licensed driver.

[Newby]

What's the law about insurance for instructonal permits?

?

[rabbit]

How the fuck did I miss that?

[Joe]

Class D - Non-Commercial Vechicles
RESTRICTIONS: Person seated beside permittee holds valid regular (non-probationary) license and is:
1) Qualified Instructor
2) Parent / Guardian / Spounce age 19 or older - Permittees other immediate family may not be in front seat
3) If permittee is under 18, parent / guardian must designate driver 21 or older.

What I'm talking about would be #3. It requires written permission from the parent to be carried on you at the time you're driving the car, which also picks up another possibility, that the note also acts as saying that my parents will pick up whatever I do to so-and-so's car.

You shouldn't be driving someone else's car, Joe. You're supposed to be learning. Read your permit. It says whoever is 25+ (responsible for you while you are driving) is responsible for any accidents/tickets you get.

Wisconsin != California.

At least in Kansas you cannot legally drive a car without a legal guardian or relative at least 21 years old in the passenger seat if you have a 'learners permit.'

If you have a license, the owners policy always covers car regardless of who is driving it unless it specifically says otherwise.  I'm pretty sure most policies will have a clause saying they provide no insurance or insurance similar to an 'uninsured driver' if the person driving is not a legally licensed driver (you).

I would say I'm a licensed driver. If I have permission from my parents in written form, permisson from the car owner, and the car owner fits the above criteria and is in the passenger's seat, it's perfectly legal for me to drive anywhere anytime.

[Newby]

I would say I'm a licensed driver. If I have permission from my parents in written form, permisson from the car owner, and the car owner fits the above criteria and is in the passenger's seat, it's perfectly legal for me to drive anywhere anytime.

Try that in a court room, lol.

EDIT -- I didn't finish reading your post. My bad. You're right. I'm the idiot this time (for once).

I didn't finish reading unTactical's post either. You aren't a legally licensed driver. Otherwise you wouldn't need someone in the car!

[CrAz3D]

It all depends on the plan.  Typically the owner's insurance will cover it, but if you crash a friend's car, especially with a provisional, their rates will explode.

word.

Why would you be driving your friend's car though?

Seriously.  I don't ever invite my friends to drive my car, and I've only ever been invited to drive two friends' cars (one because he was really tired, the other because he'd been drinking).

I've had FEW people drive my truck.
Family: my dad, my mom, my sister (that was scary, but I took her car so I had to let her)
Non-family: Josh (close friend), Jacque (exwhore...er girlfriend), Val (best friend's girlfriend)....all being times I was un-sober.  Not horribly drunk, but shouldn't be driving

[MyndFyre]

....all being times I was un-sober.  Not horribly drunk, but shouldn't be driving

So, just to clarify, it's okay to break the law in order to drink, but it's not okay to break the law and drive after drinking?