Can I drive my grandpa's car once even if I'm not ensured on it?

  • by Bill
  • Jan 24,2017
  • 13 answers

I asked a similar questions about my dads car, but I understand why I can't because we live in the same house
But If I'm chilling at my grandparents house and they run out of milk or something and my grandpa is too tired to go out, can I drive his car? Obviously if it's a normal occursnce I wouldn't. I'm talking like once in a while
If I got pulled over in his car, (just a regular traffic stop didn't do anything wrong) would we get in trouble


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Insurance Answers (13)

Best answer

Diane A 2 months ago

Two things: 1. either your personal insurance covers you in cars not your own OR 2. your grandfather's insurance on the car covers drivers other than him. In both cases you need to check with your and his insurance co & policy. If neither cover you, then you are at risk regardless whether it is once or 1000x

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coraann 2 months ago

Yes. You have no insurance to drive his vehicle. His insurance company will
likely cancel his insurance for allowing you to drive his vehicle.

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Sam 2 months ago

Noone here has given a thoroughly correct answer. Assuming that you dont live with your grandfather, which you've said you don't, then YES, you will be covered, provided you have a valid license.
Most states have limits on the frequency you can drive a vehicle, Massachusetts is 12x per year/1x per month for non household members . This means, if you drive more than that, you have to be listed on insurance.
Now, if your grandfather only has comprehensive insurance (for the other car) and you are at fault for an accident, you *could* be responsible for damages to your grandfather's car, but I'm guessing that if he's nervous about insurance, he has collision coverage.
If you are listed on your own policy and still drive his car more than the limit, it will cost nothing or a nominal fee to add you as a driver
If you do not have your own policy, it will probably be a big jump to add you as a driver, since I'm guessing his rates are low.
Bottom line: driving occasionally is fine.

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Casey Y 2 months ago

Actually can vary by state, but you should be fine.
Given that you are asking here, I sincerely doubt you are asking about an occasional usage...just saying.

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A 2 months ago

NOPE

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MAC DUDDY 2 months ago

Anyone that answers no does not know how auto insurance works. Yes. You can drive anyone's car as long as you have permission. Family member, friend or stranger does not matter. As long as that person says you can drive their car, you're good to go. Only exception is if your are listed on that person's insurance policy as an excluded driver. Only way that would happen is if they called their insurance company and said you will not ever drive their car. Excluded drivers tend to be high risk family members such as young adults or someone with duis or a lot of points on their license. For example if John and Jill are married and live in the same household. Jill's insurance company will tell her that she is going to be paying a lot more because John has 5 duis. If Jill lists John as an excluded driver she is telling the insurance company he does not have permission and will never drive the car. By excluding him the insurance company will not charge her more for John's high risk.

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Scott 2 months ago

Sure. But get pulled over and he'll lose his policy.

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Flower 2 months ago

Your grandfather must ask his insurance agent if you can be covered.

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Dances with Cats 2 months ago

Cars are insured, not drivers. If in doubt consult the "Dec Page" of the insurance policy. Grandpa should have it somewhere or if you cannot find it, it can be viewed on line.

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DEBS 2 months ago

Legally, no, but come on.

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Linda 2 months ago

You can't drive if you are not insured.

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Ann 2 months ago

if you are not on the policy no, not your parents car, not your grandparents car,

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Judy 2 months ago

You'd probably be ok but depends on his policy - read it or check with his agent

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