If you are convicted of DUI DWAI or DWI are you still completely covered by your policy if you have full coverage?
The majority of companies will cancel the policy. If by chance they decide not to, be prepared to pay a very, very high premium.
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Will insurance cover a total loss to a full coverage auto when the car is covered by a personal policy yet the car is titled to the owner's company?
Not sure I totally understand your question. Are you both the owner of the company (and the car), the car is titled to the company, but have the car insured as a private/non-b…usiness auto? What were the questions on the application? They ask about business use, if those weren't answered honestly there could be a problem. Or are you saying the company ou work for owns the car, but you have to carry insurance on it? Same question about the application would apply. Please be more specific and I'm sure I could be of more assistance.
If your spouse was not listed on your policy and had an accident in your vehicle that has full coverage does your policy cover repairs on it?
Your auto insurance automatically covers all family members that live in the household. However, by not listing your spouse as a driver you have not disclosed all the licensed… drivers in the household, which is one of the questions on the application. Since the premiums you have paid did not reflect all the correct information, the insurance company may back charge you premium for not having him/her on the policy.
most people refer to full coverage as having the state required liability coverages as well as coverage on your vehicle, collision' and comprehensive coverages''.......there a…re many many coverages that you can elect to purchase, (ie accidental death, umpd,medpay, rental, tow, and etc)
Answer . \nThe term "Full Coverage" can mean many different things to different people. Typically though it means that you have Liability Bodily Injury, Uninsured Motorist… Bodily Injury, Collision, and Other Than Collision coverage. In states where Personal Injury Protection is mandatory then you would have that too. Beyond that I would not assume that a person has any additional coverage under a "Full Coverage" policy. This includes towing, rental car reimbursement, or medical payments coverage. In addition to that there are exclusions involved with all of the above mentioned coverage's. Be very carefull in making assumptions about what full coverage means.
Answer . Full coverage would be Bodily injury/Property damage/ Uninsured motorist/ Comp/and Collison, plus I would add Underinsured motorist. Liabilty is for bodily injury …and property damage.
If you hire a driver with a four year old DWI on his record will your full coverage insurance cover him?
Answer . You'll need to inform your insurance agent of any employees who drive your vehicles. If they feel that it's been long enough they may not be uncomfortable with th…e risk. On the other hand, many insurance companies consider drunk drivers to be in a high risk category and will considerably raise your insurance rates. Talk to your agent, be as frank as possible. Don't overstate or understate the situation. You'll probably need to put something in writing about the driver but the agent will tell you what you should do.\n. \nIf he has learned his lesson after his first DUI arrest, he should be given an opportunity to show what he can accomplish. On the other hand, if he's had multiple DUI arrests, he has demonstrated a contempt for law and the safety of others on the road and he is a serious risk to your business and to others on the road. Recognize that if you fail to reveal his driving record problems, the insurance company could refuse to pay for part or all of an insurance claim.
Answer . Full Coverage covers usually refers to having maximum liability, comprehensive and collision coverage on your policy.. Maximum liability coverage covers third pa…rty injuries and damages when you are found at fault for an accident.. It also gives you comprehensive and collision coverage that will cover repairs to your car if you are at fault for the accident, or something out of your control happens (vandalism, hit a deer).. It is referred to as full coverage because your assets are covered as well as thrid party assets.
Full coverage will cover acts of nature and vandalism and theft.Full coverage completely insures the car against all acts committedby others or from accidents.
No it does not! I asked that of my insurance company and it doesn't. However, you CAN get it covered at an extra cost. (It's all about the money.)
What are your rights as a civilian or dependent stationed overseas when charged with a DUI or DWI and what evidence is required to charge or convict for DUI or DWI?
Depends on where you get your DUI. As a Civilian, whether Civil Servant or Military Spouse, if you are not on base and get a DUI/DWI in the host country, you are subject to th…eir laws, period. They may choose to hand you over to the Base Commander, at which point (as a spouse) the evidence must be the same as required in the US (as simple as failing a field sobriety test) or of equivelant nature. As a civil servant, you can be subjected to the same UCMJ laws overseas, as you agreed to when you submitted your orders to go overseas or accepted a position overseas.
Yes, although if your conviction was within the past five years, you'd be better off to wait instead of rushing off to CDL school.
The windshield generally falls under the comprehensive portion of your policy.
When carrying full coverage on a vehicle is a windshield replacement automatically covered in the policy for free?
Windshield repair or replacement is typically included in "full coverage". Depending on the policy you may, or may not, have to pay a deductible.
Go to jail
If you were in an accident yes it would, if you are talking about having insurance to cover criminal charges and fines, I'm pretty sure that is illegal.
If you have a minor driving your vehicle without having them listed on your insurance policy, then the insurance company will most likely deny any and all coverage if they sho…uld ever have an accident in the vehicle. You are not paying for insurance for them to drive the vehicle, so why should you expect them to pay the claim? You policy states that you agree to notify the company of all drivers and by not doing that you have committed material misrepresentation which means you broke the contract. If you broke the contract they are not liable to keep their part of the contract.
A criminal driving while intoxicated or driving under the influence is innocent until proven guilty. If guilt is established the penalty will depend on state law as well as on… any aggravating circumstances. First offence is punishable for up to six months in jail.