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Do you need car insurance to drive in Florida?
No. You can not. Personal auto insurance policies state very plainly that the policy does not cover you if you are involved in a commercial enterprise. Additionally, in ma…ny states if you are found to be operating pilot car without the required minimum of $1,000,000 coverage you can face thousands of dollars in fines and possible jail sentences with new and upcoming legislation. In some states, if you are operating as a pilot car you are responsible for damages. If you are escorting a high load and that load hits a bridge, you are the one responsible to bear the cost of repairs. If there is an accident that results in death or injury, you are the one who may be held responsible. Case in point: an accident in Washington a while back resulted in a bridge collapse and deaths. In operator had a $3 million dollar judgment against her. Other lawsuits resulting in that are pending. A commercial auto insurance policy is not even enough for the professional oversize load industry. The commercial auto policy covers only the auto. You also need a GL and PL policy in the amount of $1,000,000 each to have minimum coverage. Expect to be paying at least $4,000 a year for insurance with a spotless driving record and more if you are needing insurance for high pole, route survey, or other specialized services. Expect to be paying more if your vehicle is financed and much more if you have any moving violations. (I am a professional Oversize Load Escort - Pilot Car Owner/Operator.)
Depends mostly on two things... 1. do they reside in your home? Are they minors or full-time college students? And 2. How often do they operate your vehicle and do t…hey have their own policy and vehicles? If they are grown-ups and occasionally drive your car while visiting, and have their own cars and insurance elsewhere, then they don't usually need to be added. They are just 'occasional operators" If they are minors and/or full time college students under the age of 25, and drive your car on a regular basis (ie. 2x per week or more..), then they really should be added. Once again, they'd be listed as "occasional driver"s, and their driving record etc... can effect your rate, but nominally. Hope that helps.
If you are a minor in need of car insurance do you have to be under a parent or guardian's insurance plan to drive?
As long as you hold a valid drivers license, you usually can obtain motor vehicle insurance as long as meet the insurance companies underwriting requirements, such as no tick…es, no accidents, no suspensions, and do not ow any insurance company money. If you are young, usually the premium is high. The idea behind letting a minor enter in to a insurance contract is one of the few contracts a minor can enter in. Because if you have a license to drive, you need insurance.
The insurance policy on the vehicle you were driving will pay any damages assuming the owner of the vehicle and the owner of the insurance policy is one and the same.
No. Except if you want to think about the possibility of that car being stolen. If it is not on a home owners policy, then you should have some sort of theft insurance on …it. But if the car is not being driven on the road you do not need insurance on it. Clarification: A homeowners insurance policy will not cover your vehicle; you have to have a separate auto policy for it. But if you have a car that you are not using and don't plan to use, you can turn the license plates in to the DMV and then cancel the insurance on the car. Another take: actually, this depends on the state. I lived in Oregon for many years, and according to state law, all Oregonians are required to have car insurance on ALL CARS THEY OWN, even if the car is not used. Granted the majority of people who have cars they never drive don't bother to insure them (I wouldn't), but if a car does not have insurance, even if not driven, it can be towed. Check your state laws on this. The answer varies by state. ONE MORE THOUGHT: If the vehicle is financed, the contract you signed with the bank or finance company probably requires you to have physical damage coverage on the vehicle as well. I agree with the "Clarification" and "Another Take" in that laws vary from state to state so check your state laws. Homeowners policies specifically exclude coverage for any self-propelled vehicles other certain types such as lawn mowers. In most states you cannot have tags without proof of insurance. In Georgia one day with an active tag but no insurance will get you a fine. Continuous disregard will result in increased fines, registration revocation, impoundment of the vehicle, and cancellation of your drivers license. If your particular state requires it and the vehicle is registered, then you probably need to insure it. If you are storing the car in a garage, you may want to insure it with a personal property insurance plan. Those are pretty cheap and only insure something to it's full value. Many car collectors have invested literally thousand upon thousands of dollars in their cars so they unsure them for their value in case of fire or other unforeseen damages. Home owner's insurance may cover a vehicle if it is garaged if the car is listed as an asset on the homeowners policy as a personal property investment but that is a very gray area.
No. You do not have to carry insurance in Florida if you dont own a vehicle.
Answer if you have tags ont he car you need to have insurance or you will rack up fines with the mva
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.
You are not required to purchase insurance from a rental car company. However you are required by law to have insurance. If you have your own insurance call your insurance com…pany and ask what they cover for rental cars, then once you get to the rental car company ask them what their insurance covers, then use which ever one you feel is best for you. If you do not have personal insurance, I would definitely take out the rental cars insurance.
YES. It is mandatory ( that means you DON'T HAVE TO HAVE IT ) or you cannot drive.
Please think about it. It is car insurance. So you wont. While the previous answer is correct, if you want to be able to drive another persons car, either YOU need insurance,… or the owner of the car must have it insured for all drivers. I only say this because growing up I knew people without cars who would drive a friends car, and they had car insurance only so they could drive their friends car.
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.
Yes, depending on the following factors; The value of the automobile; lost to theft, vandalism, or fire. The fact that insurance is a criminal enterprise in itself, where in, …if you allow your insurance to lapse or cancel it you will face significantly higher prices when you again insure an automobile; They treat you like a first time driver in most cases. No, the car isn't worth enough to worry about the loss. Your going out of the country for one or more years; therefore, the cost of increased prices to insure the vehicle on your return is more than off-set by not insuring it while your gone. Check on this important factor before reaching a conclusion. Caution: Any insurance company will tell you that the vehicle must be insured as long as you own it, running or not, and there is the following to consider:You are always responsible for a vehicle you own. Millions of vehicles are running around that are registed in the names of people who no longer know where the vehicle is or who owns it. You can find them on eBay all the time; Things like, no title but comes with a bill of sale. If the bill of sale is from an original registered owner, then, that will usually work to obtain a new title in the purchasers name. If not, the last registered owner is the legal owner of the automobile, halftrack, airplane, helicopter, zepplin, moped, ect., and, as such, they incure a certain amount of liability for the machines actions. How much? I have no idea, but I have used this on several occassions to convince a previously registered owner, who had sold the car and forgotten about it, to send me a bill of sale so I could re-register the vehicle, become the legal owner, and re-sell said vehicle. In one particular case, some years ago, I finally resorted to telling the suspicious legal owner that the car could roll down a hill and maybe crash into the police station? Accidents can happen you know...well, I guess it worked, I finaly got a bill of sale for that vehicle.
Yes. Reason why you name should be listed in insurance policies of yourparents it's pretty standard rules for every insurance policies to say if avehicle is provided for your… regular use and you are not listed onthe policy then the insurance company can deny coverage of yourvehicle insurance companies have their own rules. They put every rules whatthey want by insurance for any vehicle Younger drivers are considered Higher risk, especially new drivers.If you want to drive your name should be listed with your parent'sname in the insurance policies you can driver the car with outhaving to pay the bigger insurance premium. The law does not careif you do that. However, the insurance company does and you risknot being covered in the event of an accident. This means both youand your parents turn out to be personally responsible for justabout all damage/injuries a person result in. Your very best self is usually to expect to have a career and alsopay out your folks to the elevated insurance plan high quality.They may list you on a policy.
Car Insurance for Driving in Canada I can't say officially, but I really don't think so. We live about 2 hours from Canada, and everyone in my office… has looked at me cross-eyed when I ask this & said "no" like I'm crazy. I've never been asked about my insurance at all when crossing the border, & I'm usually doing it from NH, a state that doesn't even require insurance if you own your car. If you want to be sure, call your car insurance company, & make sure you'll be covered while driving in Canada. ANSWER You do not need insurance from a Canadian company but you DO need insurance and proof thereof. KeVin Toronto
The car is insured not the driver however many policies have restrictions as to who may drive the insured vehicle.
yes, the premium will be astrononic, and some insurance firms will not add children to the exsiting parents policy, they will only insure the teenager in their own right.