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Can you drive a relative's car if they have no insurance but you have full comprehensive insurance on your car?
Generally, the insurance follows the vehicle, not the driver. The only time I am aware that your insurance covers a vehicle, other than the one described on your policy, is if you buy another vehicle to replace the one described on the declarations page. If your covered auto is in the shop for repairs, and your relative loans you his/her uninsured vehicle for you to drive while yours is being repaired, then your policy would likely provide coverage. I would call the claims department of your insurance company to get confirmation before risking it.
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Are you insured to drive your new car if you part exchange your old car on which you had comprehensive insurance?
Answer In North Carolina, if you trade in a vehicle and purchase another, you have 30 days to report the transaction to your insurance carrier. You will ha…ve the same coverage on the new vehicle that you had on the old vehicle during that time. No more, no less.
Driving another persons insured Car It is always best to ask the owner loaning you the vehicle if you will be covered under his policy. If he is not sure then he should contac…t his Insurer and verify before you drive. It never hurts to have your own operators or non owners policy in place for additional security if your an occasional driver without a car right now. Each US state regulates it's own insurance needs through it's state legislature. Insurance for a loaner would depend on the type of Policy that the Vehicle owner currently has in place as required in that state. It could also depend on the nature of the vehicle loaned or hired. If the Owner has a Limited Liability or a Named Driver Policy then no other drivers may be covered even with permissive use. If the owner has purchased a Broad Form Auto Insurance Policy then generally permitted drivers are covered. It is a common misnomer that Auto Liability follows a vehicle. In Fact, Auto Liability Insurance covers and follows the named insured(s) (usually the vehicle owner) and the named insureds legal liability that may arise out vehicle ownership and operation. Most liability coverage will even follow the defined insured to a replacement vehicle, When on a standard form auto insurance policy, liability coverage is afforded even when tertiary or third party through an accident of a permitted driver. This point of concept of vicarious legal liability of a property owner and the contracted liability of the Specific Policy Form offered by an Insurance Company is where the misunderstanding arises. Limited lines Policies though economic can leave gaps in coverage so it's best that all drivers even non owners carry financial responsibility. The Concept definitions of Legal Liability of the owner of a property and the Financial Responsibility of all vehicle operators on public roads is determined further in the US by the regulations of the individual state of registration. According to law if the owner of the vehicle has insurance on the vehicle, and "loans" you the car, and you are listed as an occasional driver of that vehicle, then you are covered. Otherwise, you will have to purchase your own policy. Dependent DriversBe careful. The answer to your question varies from state to state and you need to check the laws in your state. In the state where I live, an under 25 driver who lives with you must be insured on your policy to drive your car and it's very expensive. Insurance coverage is different if someone who does not live with you uses the car for your convenience. It can get very complicated. Insurance companies are doing more and more to mitigate rising costs of repairs, medical treatment and their liability.
Answer Comprehensive loss is any damage done to the vehicle other than collision.
Comprehensive insurance coverage is a physical damage part of automobile insurance which covers you vehicle for fire, theft, vandalism, broken glass, and all animal collisions…. Collision is the other main part of physical damage coverage which covers hitting something or turning the vehicle over. You can purchase comprehensive without collision but not collision without comprehensive.
If you have a valid drivers license and permission to drive the car, then yes, you can drive the car as long as the owner of the car has insurance on it. Unless the person is… part of the household and has been deemed a non-covered driver by the car owner's insurance company. Let's say father has insurance on car. Son live's in house, however has been revoked or has a horrible driving record. Son has permission by father to go to store. Gets in a wreck, doing injury and insurance company had son named as not a covered driver. No coverage then.
How old do you have to be to get comprehensive car insurance that covers you to drive other peoples cars?
As long as you are old enough to legally drive you may get any coverage you wish. However not all insurance companies offer this coverage. One more thing... this co…verage you are asking about is referred to as permissive use.
It covers, you, your car and third parties car!
No. Generally, your policy covers you and your own car. It is illegal to drive an uninsured vehicle in almost every state. If there is an accident, there will be no coverage, …the car will be impounded and you will be arrested. However, insurance laws vary from state to state. You should speak with an agent who does business in your state.
There is no easy answer. In the UK policies sometimes have a "driving other vehicles extension". This allows the policyholder to drive another vehicle, not owned by him/her, f…or third party risks only. This extension is not found on all policies so an individual would need to check the policy wording and the certificate of insurance.
It is illegal to drive a car that is not insured for at least third party cover (i.e. if you hit someone then they - but not you - will get paid out). Therefore if the car is …not covered on an insurance policy that YOU have then to drive it you would need to be covered on someone else's insurance. Some people hold insurance policies that allow anyone (with permission from the owner) with a valid license to drive the car and in this case you would b covered on this policy - many company cars have this sort of policy. It is you DUTY to make sure that you/the car has as covering policy before you drive it and that you can PRODUCE this policy for the police should they require you to do so.
I have never heard of it and I have been an agent for 26 years. I don't believe it is a true insurance term.
Do you have to have insurance full coverage if you are not driving a car that you are still paying on?
Yes & No. You still have to have liability coverage, which is the lowest type of car insurance, if you plan on driving another person's vehicle. Because, several years ago, I …drove my friend's vehicle and the brakes went out and I rear-ended another vehicle. My friend did not have insurance on his vehicle, so my license was suspended for three months for no insurance. I advised the DMV that the vehicle wasn't mine! But, they told me that it doesn't matter! I should have had liability insurance anyways, if I was planning on driving someone Else's vehicle!
It's easier to tell you what collision is first. Collision is when you hit something or turn the vehicle over. Comprehensive is just about everything else. Fire, Theft, Animal… Collisions, Broken Glass, Tree Falling on Car, etc. Most companies do not rate up your insurance for comprehensive claims. You may loose a claim free discount if it is on your policy but will not be surcharged. You can be cancelled for too many comp claims though.
It depends how old are you and whether or not you are an insured driver under the terms of the terms of your Dad's insurance policy. Your Dad's insurance agent can tell you if… you are insured to drive the vehicle.
Car insurance covers many parts including collision, liability and comprehensive. If your car is paid for you may not be required to have comprehensive coverage. Comprehensiv…e coverage is for non-collision incidents such as a fire, earthquake, a hail storm and theft. If your car is destroyed in a storm or it is stolen, then you will have to absorb the loss. Motorists should have comprehensive coverage as well as other minimum coverage to protect themselves, their passengers and other drivers.
Comprehensive is a type of coverage you can add to an automobile policy. Comprehensive coverage is a physical damage coverage that includes damage to your vehicle that is no…t included in collision coverage. Collision coverage is damage done when you hit something or turn the vehicle over. Comprehensive includes fire, theft, vandalism, and animal collision. You can have comprehensive without collision but not collision without comprehensive.