Was taken past its sell-by date family's insurance, can I still drive their cars? Ok, so I had my family run me off their

Ok, so I had my family run me off their insurance when I moved to Europe to study abroad. We be told that since it costs so much more to put a person back onto insurance after they've be taken off that it wasn't worth it for a year. However, after this year abroad, I still hold another 2 years at university in a city where I don't want to own a car or drive in. Therefore, I'm fine next to being off my family's insurance for 3 years, hopefully it will brand it worth it.

That's not my question though. I'd like to know if I can still reasonably drive the vehicles insured by them (during the summer and holidays). What would happen if I get a ticket or into an accident? Would the insurance company itself have a fit (and does it depend on the company/coverage type)?

I am 20 years matured, live/would drive in Minnesota, and the insurance company is Horace Mann. I don't know the specifics of the coverage, though I know it is not just liability.

Thanks!
Answers:
It depends on what your irredeemable address is. If your legal address is at your parent's then you call for to be listed on the policy. If your legal address is elsewhere later you aren't considered in the house hold and you wouldn't have to be programmed on the policy. You need to call your agent and ask as legally recognized advice given on the internet should never be taken seriously. Source(s): Licensed Agent
If you were removed from the policy, that indicates that you are required to be on it to drive their vehicle. Call the agent and make sure you are covered. Insurance companies are not in business to "present away" money, so if you were in an calamity or got a ticket, you would probably be considered an uninsured driver.
it all depends on the policy your family connections have when it comes to insurance you can't compare apples to apples because there are so several variables. Have your parent ask the agent they deal with to explain how it works. In most cases you are insured but as the State tend guy say in the commercial don't mull over so, no so, so ask.
Yes, you can drive the cars (about 95.4% sure, because you don't know what the policy says). You just have to net sure it is with your parents permission! Best of Luck!


Related Questions: