# Would different car insurance or health and safety analysis be needed for driving supercar on road?

**URL:** <https://boards.straightdope.com/t/would-different-car-insurance-or-health-and-safety-analysis-be-needed-for-driving-supercar-on-road/853208>\
**Category:** Factual Questions\
**Created:** [May 5, 2020, 7:18pm UTC](https://boards.straightdope.com/t/would-different-car-insurance-or-health-and-safety-analysis-be-needed-for-driving-supercar-on-road/853208 "2020-05-05T19:18:26Z")\
**Posts on this page:** 2\
**Page:** 2

<div class="post-metadata">

**Author:** ![Bijou\_Drains](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/bijou_drains/32/2814_2.png) [@Bijou\_Drains](https://boards.straightdope.com/u/Bijou_Drains)\
**Post date:** [May 19, 2020, 6:45pm UTC](https://boards.straightdope.com/t/would-different-car-insurance-or-health-and-safety-analysis-be-needed-for-driving-supercar-on-road/853208/21 "2020-05-19T18:45:36Z")

</div>

US insurance rules are set by states and they differ somewhat. There used to be a few states that did not require insurance but I don’t know if that is still true. Also if you have a car loan the bank or whoever gives the loan will require insurance.

---

<div class="post-metadata">

**Author:** ![md2000](https://avatars.discourse-cdn.com/v4/letter/m/73ab20/32.png) [@md2000](https://boards.straightdope.com/u/md2000)\
**Post date:** [May 20, 2020, 5:07am UTC](https://boards.straightdope.com/t/would-different-car-insurance-or-health-and-safety-analysis-be-needed-for-driving-supercar-on-road/853208/22 "2020-05-20T05:07:25Z")

</div>

> [@Dunmurry](#):
>
> Another thing I was wondering about it is why somebody would be added to the insurance of another driver. A time when my aunt wasn’t well my uncle put his daughter on the insurance for his car. If it is the case that if someone else owns the car and paid for it anyone can drive it what is the advantage to putting someone else on it? Also I was reading that the most basic type in the UK which is Third Party actually tends to be the most expensive and Fully Comprehensive which covers the most is the cheapest and if there is a reason for this. Also adding someone else for the car can make it more expensive but adding someone else an air it cheaper and if there is a reason for this. I was reading that unemployed people pay more in fact some unemployed person paid nearly 5 times more and I don’t understand what the connection between being unemployed and paying more also some people tweak their job title slightly and they pay less and why the job someone does can affect the price in fact?

I think it may along the lines of - if the daughter is not listed on the insurance policy and has an accident, then the insurance company will make good the damage but then chase her to re-reimburse them. It depends what insurance she has by herself and what it says about borrowed cars. A lot less hassle if the driver is listed on the insurance. And as pointed out, every state has its own peculiarities.

[Previous page](https://boards.straightdope.com/t/would-different-car-insurance-or-health-and-safety-analysis-be-needed-for-driving-supercar-on-road/853208.md?page=1)