Calvert County Maryland Wills
Can I legally drive my fiances mothers car; will her insurance cover me?
I’m 20, I will be 21 in a month. I got my Provisional Drivers License today. I have a toddler, and am pregnant. We live in Calvert County, Maryland. My fiance and I live with his parents, we rent 2 rooms. His mother is 69, and has All State car insurance, not sure what plan. Can I legally drive her car infrequently, like to the grocery store, or to OB appointments here and there without having insurance myself? Does it depend on her plan? She’s going to call them tomorrow to see, but I’d just like to see what answers I get on here tonight. Any help would be appreciated, thank you. Will it cost money or make her insurance more expensive to have me added as a driver to her policy?
Your fiances’ mother will have to add you as a driver onto her policy since you are a resident of the household and will be driving her vehicle even if it is infrequently. If you had your own car and own insurance then she would not need to add you. In the meantime if you have her permission to drive and were to have an accident before being added, the insurance company would still have to provide coverage under the policy. However, that said the insurance company could still give her a hard time for not adding you and I can also assure you that prior to her renewal they will run an ADD (Additional Driver Discovery) Report which will pull your driver license information and they will then proceed to add you onto the policy.
Adding you as a driver will cause the rate to increase — how much will depend on several factors such as the number of cars to driver ratio, if you have any tickets or accidents in the last 3 years, etc. The only way to avoid the rate increase will be for her to sign a driver exclusion form which will then mean that you cannot drive the vehicle under any circumstances since to do so will result in the vehicle literally being uninsured while you are behind the wheel.
I hope this information helps. Good Luck
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Calvert County, Maryland wills, 1654-1700 … |
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Index to Calvert County, Maryland, wills, 1700-1777 ; and, an Index to wills of Calvert County, Maryland, wills, 1654-1700 … |