Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Oct 5, 2012

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Insurance Question from Baton, NC

Asked on 10/05/2012

Do u have to have auto insurance to keep a drivers license My mother has insurance on the car im driving. I no longer drive the car i have insured. Do i still need insurance to keep my license or can i drive on hers

Answer given on November 05, 2012

If you do not own a car, and have no requirements from the state you live in that want you to show proof of insurance, you do not need to have insurance. You can drive your mother’s car, and car insurance follows the car, not the driver. Any accident that you may have in your mother’s car will be handled by your mother’s car insurance. However, if you don’t have other insurance,and you live with your mother or are a regular driver, you do need to be shown as a driver under your mother’s insurance. Any tickets or accidents you have will affect the cost of the insurance.If you have a requirement for proof of insurance, due to a ticket or accident, you will need to show proof of insurance. You can do this by providing proof of insurance through your mother’s insurance or you can buy a “named non-owned policy. These are available from a limited number of insurance companies.


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