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A good rule of thumb about car insurance is that the insurance follows the car. So, if you own a car, have full coverage, and loan the vehicle to someone, and that person has an accident, your car insurance will step in to cover both your car's damages and any property damage. This might not be true, however, if the other person is a resident relative (ie, lives in your house) and has access to the vehicle all the time. In a case like that, you could have coverage issues because you didn't tell your carrier that someone else was regularly -- or might regularly be -- driving your car. Your rates are based on you as the driver; you don't pay your carrier to cover someone else.
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If a car owner has full coverage on their vehicle including uninsured motorist can they allow someone without any insurance to drive the vehicle?
It is my understanding from my insurance company that if I "give permission" for someone to drive my vehicle and I have full coverage then my vehicle is covered. Recommend you… ask your insurance carrier this question, they will be happy to give you an answer regarding your policy.
If a person has full coverage insurance on a car and another person is going to drive the car but isn't listed as a driver on that insurance are they still covered?
Answer Normally, if you call your insurance company they will be able to answer this question for you. Since most insurance companies are different than others it…s always a good idea to double-check. Answer with direct they are covered as long as they don't live in your house.
Answer Full coverage or not the answer is usually yes unless that person is specifically exclued by name from that policy. The person has to have permissio…n or implied permission to be using the vehicle from the owner.
Answer Generally yes, you are covered for any car you are legally driving. The one exception that comes to mind is if you steal a car and wreck it.
If a full coverage policy is on both your vehicles and one car hits the other how does the insurance work?
Answer 1, Insurance It can work out several ways. Most probable cause of action is for you to file a claim with your insurance, and then your insuranc…e contacts the at-fault party's insurance for payment of damages. There are some companies that won't contact the at-fault party's insurance in which case you have to deal with the at-fault insurance company at all times. With that said, full coverage means your car is covered in case of anything. Collision covers your car whether it was your fault or not. If the crash was NOT your fault then the public liability part of the at-fault's insurance company will pay for the damages, not to exceed the property damage cap for the at-fault party's insurance. However, full coverage does include underinsured motorist coverage. What this means is if someone hits your car and causes $15,000 in damages, but the insurance caps out at $10,000, then the not-at-fault insurance can sue the at-fault driver for the additional $5,000, so make sure you have the proper limits and most important, BE CAREFUL OUT THERE!!! Answer 2, The first answer missed one point Both vehicles are on the same policy. There may be an exclusionary clause on the policy, but even if there isn't you can expect the insurance company to be VERY suspicious. If one car has been spending a lot of time in the shop with no improvement, one could easily back into it with another in such a way that it would be totaled and the good car would have only a few scratches on the bumper. Answer 3, Additional Info Answer 1 totally missed the question. Answer 2 appears to assume only that the struck vehicle was parked, and that the incident was not an accident, but may be fraudulent. Both assumptions are possible, but not exclusive. There are such incidents which are legitimately accidental, and insurance carriers prepare for this in their corporate policy. When I was an auto property Claim Adjuster for a major insurer, many years ago, we investigated ALL claims, including consideration and elimination of the possibility of fraud. Where fraud was clearly involved, the policy contract was VOID, and the claim denied. Where two vehicles insured on the same policy were involved, the company policy was if the struck vehicle was covered for collision, the repair was paid for under it's own collison coverage, with the deductible waived By the way, this policy was also true for collision of two of our insured vehicles, owned and insured by different insureds and policys. This saved us the time and expense of investigating fault and laying blame on one or the other policy holder/customer. I suspect, that the company figured that since we were going to have to pay regardless of who was at fault, we could avoid alienating a paying customer due to determining him to be "at fault." I worked many claims involving a single owner, with both vehicles insured on the same policy. All involved the struck vehicle being parked, mostly in a driveway, but a few were parked in the street adjacent to the driveway. We did have a few collision claims involving both of the "same policy" vehicles moving, but I never got one of those assignments. If the struck vehicle was insured by us, but did not carry collision coverage, we then paid the claim under the liability portion of the striking vehicle's coverage. And again, as a public relations gesture to the insured, we did not assign fault, or surcharge his future premiums. That has been a long time ago, and company policy may have changed. Also, insurance company policy did, and does, vary from state to state, depending on each state's insurance regulations.
If you have auto insurance get into an accident while driving someone elses vehicle will you be covered by your insurance?
Answer You should immediately report the accident both to your own insurance company and to the vehicle owner's insurance company. Depending upon which state you… are in, either one or both insurance companies is responsible.
I believe full coverage covers everything related to the car it is assigned to and nothing more. There may be specific insurances for business and such which covers multiple… drivers and multiple cars but as for a personal insurance, it would only cover your specific car included in the contract. Alternative Answer The answer to your question will be written clearly on your "Certificate of Insurance" and contrary to the above many 'fully comprehensive' policies (In the UK at least) will provide cover for you to drive a car not owned by you and not hired (rented) by you.
If you have full coverage insurance and a person who is not licensed gets into an accident in your vehicle can insurance cover your car damage?
Yes.Thats what full coverage covers
If a car is considered a total loss after an accident and the insurance company pays you for what the car is worth do you still have coverage on that vehicle if you contnue to drive it?
Usually if the car is a total loss, the insurance company will pay you and take the car. They then sell it for parts/salvage. If they let you keep the car, all you have …to do is check on the current status of your policy and see if it is listed.
If you got a no insurance ticket in a car you drove that is not insured but you have full coverage on another vehicle?
No proof of insurance on the vehicle. Just because you have one car with insurance does not mean that you are covered on any vehicle that you drive. Your best bet is to …add the vehicle to your policy, go to court, show them you now have proof of insurance, and you should be okay then.
In the UK, yes. So long as the driver has insurance.
If a car is stolen and you have insurance but the vehicle is in someone elses name will it be covered?
Theft is not the same as accidents. If you drive a car, whether it is in your name or someone else's name, and you have an accident, then your own insurance is applicable, but… if someone else's car is stolen, that doesn't seem to involve you. Presumably you were not in the car when it was stolen, right? What involvement do you have?
This is not a state specific question. If you are given permission, then you are covered. Note: you can only drive a rental vehicle if your name is on the rental agreement.
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!
Usually yes. It depends on the brand of insurance though. You should check with your provider to be sure.
Auto Insurance covers the vehicle, not the driver. As long as you give permission for a legally licensed person to drive your car and they are properly using the vehicle (i.e.…: not racing) your vehicle is covered.
If a car has full coverage and someone else is driving the vehicle without a license will the insurance still provide coverage?
"Full coverage" is usually interpreted as meaning that it is covered for both physical damage and liability coverage. When an insurance policy is purchased, among the factors… that are considered by the insurer in accepting the risk is the make and model of the vehicle, the location at which it is principally garaged, the number of miles driven, and importantly, who will be the main drivers. Without question, any insurer will require that any driver of the car be licensed to drive. Therefore, the broad answer to your question is, no.