Overhaulin'

Can you drive your parents' car without insurance in MA?

I am 17 and live in massachusetts. My parents have insurance on both of their cars and they get it through a company called "Safety Insurance". I have a junior operators license and I've heard from some that I am covered by their insurance while I've also heard from others that I am not. I'm not sure of the answer or if it varies from insurance company to company. If anyone knows a definite answer, I'd appreciate the help. Thanks!

Public Comments

1. Insurance companies require all licensed drivers (junior licenses included) in the household to be named as an operator on the insurance policy. They require this so they can accurately assess their risk in insuring the vehicles. Therefore, if you were to operate your parents vehicles without being on the policy and get into an accident, one of several things could happen: 1. The insurance company could cover the loss, and then require your parents to add you to the policy. 2. They could cover the loss, and then cancel the policy for non-disclosure. 3. They could deny the claim altogether. Have your parents get you on that policy ASAP. Otherwise they run the risk of their insurance company dropping them.
2. In order to be covered, you have to be listed on your parents policy as a driver. Here's why: most auto policies have a provision in them that says if the vehicle is provided for your regular use and you are not on the policy - if you have an accident the policy is void. That means you will be personally responsible for any damage/injuries you cause. This clause is pretty standard. I've never seen a policy that did not have this provision. Some insurance companies have language that restricts coverage to only those specifically listed on the policy. This is much more rare...but does happen sometimes. Usually you see this language in the policies for companies that write coverage for high risk drivers. So...if you are listed as a driver on your parents policy - yes. If you are not listed as a driver on your parents policy - no.