Insurance Slips and Police Checks

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slow

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Is it true that some insurance slips don't show all drivers that are under that policy? Or does the slip have the names of all drives on the slip?

If not all names are shown on the slip and the popo's pull you over, are they able to check that you are covered under that policy? Or can they only see that the car is insured and end of story?

If I remember correctly, I'm under my parent's policy for the car, but my name is not shown on the slip itself. Just wanted some clarification.

Thanks.
 
As long a you are not an excluded operator by signing an OPCF28a exclusion form, then you are allowed to drive any insured vehicle and you are covered by that vehicle's insurance policy. For example, if you borrow your friend's car, you are covered by his/her policy even though you are not a named operator.

FYI, your insurance company must be made aware of all operators in the household as well as anyone who might use the household's vehicle on a regualar basis -- failure to do so is insurance fraud.
 
Understood.

So...I guess the popo wouldn't even bother checking on his computer if they pulled you over if your name's not on the slip right? I read somewhere that (currently) they are unable to verify validity of insurance on their computers. Any ideas?
 
The police can call the insurance company on the spot to ensure that the policy is valid. I don't think that the police verify whether or not you are a named operator -- this is the job of the insurance company when he time comes that you make a claim. If the company finds that you were a "hidden operator" then they can deny your claim, cancel your policy, and put a huge red flag on your name and the vehicle owner's name for fraud (meaning that you will have one heck of a time finding affordable insurance for a long time).
 
I dont get it. So If I have a G2, and I am driving my dads car, and If i get pulled over, theyll let me go? because the car is insured? Because I drive my dad's 2nd car and its insured on his name but my name is not in the policy. if i ever get pulled over, will the cops let me go?
 
From what I understand, they will let you go because the car is insured. Cop will probably assume your name is on the policy (only because you live in the same household and you're supposed to disclose all drivers to insurance). However, like Viffer said, if anything happens to you AND your name really isn't on the policy, then insurance has the right not to compensate you and all the other things Viffer has mentioned in his post.
 
If the cop suspects anything, they will check. Some are linked to get the information and some will call the insurance company at the road side.

A common trick folks will do is get insurance, get the liability slip and cancel the policy because they can't afford it. So, they have proof of insurance but, it's no longer in effect and breaking the law. Cops encounter this often enough to know when to dig deeper.

In the case of another operator. They will review the information on the liability slip, registration and driver's licence. They only dig if the answers don't line up with what they see. If it's daddy's car being used, most times the sur-name and address is the same. (not always)

If everything is in order, shouldn't be a problem.
 
arushbhai said:
I dont get it. So If I have a G2, and I am driving my dads car, and If i get pulled over, theyll let me go? because the car is insured? Because I drive my dad's 2nd car and its insured on his name but my name is not in the policy. if i ever get pulled over, will the cops let me go?
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If you live in the household with your Dad, you **must** inform the vehicle's insurer as soon as you get your G1/G2 license. At this point, the insurer will charge you an occasional operator Class 05 premium, but your father's name will continue to be the only name that appears on the pink slip since he is the principal operator. The police aren't really concerned about whether or not you are a hidden operator on the vehicle's insurance policy, but your insurer certainly is. The police are concerned about whether or not the vehicle is insured; however, you can bet that if you're involved in an incident with your Dad's car but are not listed on the policy, that your insurer is going to raise a stink about it by denying parts of your claim and red flagging both you and your Dad for fraud (meaning VERY expensive and inaccessible insurance for a long time).
 
I guess riding after 5pm would be best for those with these insurance situations lol. That's when the insurance office is closed!
 
slow said:
I guess riding after 5pm would be best for those with these insurance situations lol. That's when the insurance office is closed!
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I reiterate -- it's not the police you should be worried about . . . it's having your claim denied and your names red flagged.
 
VifferFun said:
If you live in the household with your Dad, you **must** inform the vehicle's insurer as soon as you get your G1/G2 license. At this point, the insurer will charge you an occasional operator Class 05 premium, but your father's name will continue to be the only name that appears on the pink slip since he is the principal operator. The police aren't really concerned about whether or not you are a hidden operator on the vehicle's insurance policy, but your insurer certainly is. The police are concerned about whether or not the vehicle is insured; however, you can bet that if you're involved in an incident with your Dad's car but are not listed on the policy, that your insurer is going to raise a stink about it by denying parts of your claim and red flagging both you and your Dad for fraud (meaning VERY expensive and inaccessible insurance for a long time).
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Thanks for your reply bro, I will definitely contact state farm, because I dont want to drive without insurance and get my dad in trouble.
 
slow said:
I guess riding after 5pm would be best for those with these insurance situations lol. That's when the insurance office is closed!
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The 800# on the liability slip is 24/7. They may not be claims adjusters or under writers but, they have access to review the policy and verify if a policy is valid and who the insured(s) is.
 
nakkers said:
The 800# on the liability slip is 24/7. They may not be claims adjusters or under writers but, they have access to review the policy and verify if a policy is valid and who the insured(s) is.
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The 1-800 number may only be for claims, like when you have crashed. The police may not be able to verify a policy through this number. I know this because the cop that stopped me called on a Sunday morning and could not verify my insurance through the 1-800.

AFAIK there is no automated way for police to type in a license plate/policy number and electronically verify your insurance. They need to call, which is a hassle. In the future there will be an automated link between your license plate and your insurance info, so that if you cancel your insurance after you get your insurance slip, this will be known immediately by police. This system is an effort to stop people printing false insurance slips.
 
very true, that software if coming in a few months.
they can also charge you with no insurance for upto 3 years after the fact, so even if its a sunday morning, they can call monday morning and get the scoop.
 
Liability slips are usually issued to the policy holder(s) who is usually also the registered owner(s) of the vehicle or motorcycle. If your dad is the registered owner of the vehicle, only his name will appear on the liability slips, unless he requests that the insurance company lists your name on it and they agree. This is not really necessary though.

The reason why cops don't always care if your name appears on the liability slips is that they are not checking to see if you are insured, rather they are checking to see if the car is insured. If the car is insured, then you or anyone driving it with the owner's consent is automatically insured under that policy in the eyes of the cop.

Like others have mentioned, if the cop stills need to verify then he/she will usually call the insurance company on the spot. As for the 1-800 #s, those are generally used for emergency claims only. The person on the other end of the line is usually not an employee of the actual insurance company but usually from a contracted company. They have very little if no access at all to your policy and they are not licensed agents/brokers and are not qualified to advise anyone on policy details or coverages. Their only job is to collect basic details of the emergency and set you up with assistance should you need it, like emergency towing or transportation. The details recorded will then be forwarded to your insurance company's claims department next business day.
 
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As long as the car is insured it can be driven by anyone that has a driver's licence, cops have never asked me why I'm driving soemone else's car or to whom it belongs.
 
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