this post was submitted on 01 Sep 2023
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No Stupid Questions

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I'm mostly thinking about insurance here. I've been told conflicting information. I live in Florida.

I live with someone who has a driver's license and a car, but I don't have either. I've avoided getting one because I have no interest in car ownership, and I feel like if I started driving regularly I'd probably die - I have driven before but I really don't think it's something I'd ever get good at.

It's undeniable that having one would be convenient though - for rare occasions like emergencies at a minimum but also other scenarios.

I know almost nothing about how this stuff works. If I get a license, am I required to acquire and pay for insurance, even if I don't own a car or regularly drive? Or will the person I live with have to pay more for their insurance? Are there any other costs or downsides associated with it that I might not be thinking of?

Thanks.

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[–] trexman 6 points 1 year ago* (last edited 1 year ago)

Fun fact for Florida: when you begin a policy, you need to list every member in your house of driving age regardless of if they drive your vehicle or they drive yours. Otherwise, insurance can deny a claim if one of them is injured in your vehicle. I listen to a lot of talk radio and an injury attorney shared this a few weeks ago. Relevant info: https://www.berryinsurance.com/blog/who-to-list-auto-policy-video