If you do not own a vehicle right now but I do have a driver’s license in Springfield, Illinois. In Illinois am I required to get car insurance to use someone else’s automobile occasionally?

Becky

Springfield, IL

The car insurance policy on an automobile that you may borrow occasionally should cover you.

Auto insurance policy terms may differ, so the individual who owns the vehicle that you operate occasionally, and therefore has the car insurance policy on it, should read over their automobile insurance policy and talk to their car insurance agent to be sure you are properly covered to drive their car from time to time.

If it is a family member’s vehicle (the same household you live in) that you are driving on rare occasion then normally you will be required to be listed to their car insurance policy and be rated as a driver.

If you do not have an automobile you may not be required to get your own automobile insurance policy in Springfield, Illinois so then you can buy a non-owners policy. This non-owners car insurance policy is an additional coverage to provide you insurance liability protection if you are at fault and do not own an automobile.

My son no longer is a household member. He has moved out in Arizona and has changed his address. She does not own a vehicle. I no longer want to continue having him listed as a primary motorist on my car in Illinois but want him to be covered if he occasionally uses the car. My car insurance agent informed me I had to have him as “primary” on one of my cars since I have more than one car. Is this true? Why cant he be listed as just an occasional driver?

Marlen

Chicago, IL

Ultimately, it’s up to your car insurance company in Illinois as to whether your son has to be listed on your policy as a driver or not. With that being said, some insurance providers will permit you to remove your son from your insurance policy with proof he does not live in your household or proof he has his own insurance policy. That being said, most carriers permit coverage for “occasional” drivers provided that the “occasional” motorist does not live your household, and your cars are parked at your residence at the end of the day. You may want your son to look into a “non-owner” policy that will help cover him for cars not provided to him on a regular or frequent basis.

I do not have a vehicle currently but I do have a driver’s license. Am I required in Illinois to buy insurance to drive my friend’s car on a some occasion? I live in Rockford, Illinois.

Joseph

Rockford, IL

The state of Illinois law (625 ILCS 5/7-601) states that it requires all car owners to have minimum amounts of car liability insurance. According to the IL Division of Insurance, lending institutions may require physical damage insurance to protect their interest in a financed car.

Generally, the car owner’s policy on a car that you may borrow on a some occasion should cover you as a motorist. For instance the Illinois DOI states that the typical bodily injury liability coverage pays for bodily injury to another individual or property damage you cause due to the negligent operation of a car. It may also pay if the accident was caused by a member of your household living with you or an individual using your car with your permission in Rockford, IL.

You may not be required to have your own auto insurance policy if you do not own a vehicle in Rockford, IL, nor have a vehicle in your household whose insurance policy you could be put on, then you can obtain a non-owners policy. Non-owners insurance typically is additional coverage to provide you liability protection for when you are at fault and do not own a car.

I am twenty years old, living in Chicago, Illinois without a job and looking to get non-owners auto insurance.Is it possible to acquire non owners so that I am able to drive my fathers car to look for a job? I still live in the same household with him.

Tim

Peoria, IL

Non-owners car insurance policies are for motorist who do not own a car but be aware that typically this policy will not cover you driving other vehicles owned by family members or other members of the household in which you reside. Therefore a non-owners policy would not help cover you to drive your father’s vehicle since you still live in the residence with him.

If you live in a household, normally, even if you are not the registered owner of a car but drive it, you should be on the car insurance policy for the car. So since you do live in the same household as your father you would need to be on his auto insurance policy. Most insurance providers require that all household licensed drivers be listed on the car insurance policy. If you are not listed then you may see about being added and if need be paying for your portion of the car insurance bill, which will likely be cheaper than you buying your own auto insurance policy.

Why is it that auto insurance web sites dont let you get a non owner insurance quote? All site I have checked requests vehicle information and does not give the option of “no vehicle” that is why I am not able to proceed any further on the website without vehicle information.

Mary

Peoria, IL

Well, not all auto insurance companies in write non-owners policies or perhaps some insurance company’s’ online systems are not set up for non owners policy quotes. Most insurance providers Peoria Illinois request information on a vehicle on their website so you will need to call for a non-owners quote.

Non-owners auto insurance is a type of liability insurance, it only covers the named insured while operating vehicles. In Peoria Illinois, a non-owner policy contains Bodily Injury Liability and Property Damage Liability. This depends on the type of coverage you choose for your policy, the policy will cover you up to the limits you choose.