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If you have two autos that carry full coverage do you have to add your husband to this policy?
Wiki User
∙ 8y ago
If you want your husband to be insured Yes. If you do not then there will be no coverage when he has an accident. He could also be ticketed for driving without insurance.
You should, particularly if he has any access at all to the vehicles and/or drives them, even on an occasional basis.The reason behind this is that you pay a premium for the drivers in your household. If you're paying a premium for only yourself, and your husband uses the vehicles, you're not allowing the insurance company to rate you correctly. This could be called misrepresentation, particularly if your carrier has asked you to give them information on all the drivers in your household.
But...if your husband has a good driving record, and is free of accidents, you probably won't see much of a rate change, if any at all. If he has a bad record, you might want to consider having him made an excluded driver on your policy. That way, you're square with the insurance company and your rates won't reflect his record. But beware: An excluded driver means just that, and if he ever drives one of your vehicles and has an accident, there is absolutely no coverage. You can imagine what this can do to your finances if you're not careful.
Wiki User
∙ 8y ago
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If a married couple has the same employer can they both carry a policy with single and family coverage?
If you are single, you file as single
Do you need to have insurance if your husband carry you on his insurance?
In the past it was common for people to be double covered for health insurance. However, now with the cost of medical insurance increasing so much in recent years and the decrease in the portion that is paid by employers, it is no longer reasonable to carry double coverage. In reality the second policy will only cover the 20% not paid by the primary policy and this is in exchange for the full premium.
Can you designate which of your insurance is secondary and which is primary?
Secondary medical insurance is a second level of insurance coverage. Under most circumstances, the two policies are independent of each other. One policy may pay for a service while the other may not. The primary policy must pay first, then the secondary. The choice of which policy is primary or secondary is established by a shared rule between insurance companies. It is not the policy holder's choice.Examples of Primary/Secondary coverage: A husband and wife both work and carry the medical insurance offered by their respective employers. The husband adds his wife to his policy. The wife adds her husband to her policy. Under most circumstances, the husband's plan would be his primary policy and his wife's plan would be his secondary policy. In like manner, the wife's plan would be her primary policy and her husband's plan would be her secondary policy.
What is reasonable coverage recommended for a condominium home owner's insurance?
Your broker can help you determine how much insurance to carry in your HO-6 policy, based on what might be covered in the association's master insurance policy.Ask your board or your management company to send you a coverage page from the master policy, then you and your broker can determine the coverage you need.
What is the coverage on Appliance Installation?
When i did installs 10-15 years ago we needed to carry a 1 million dollar policy..Hope that helps...
Who needs to carry personal umbrella insurance and what does it cover?
Personal umbrella insurance coverage and costs vary by company. Most require that you carry a defined amount of liability on your car or home policy.
If you only carry liability insurance on a vehicle can you let your child drive it if they do not live with you?
All drivers should be listed on your policy to be a covered driver. you should add your child to your auto policy for proper coverage.
I am a sole prop with no employees, Does PA require me to carry workmans comp on myself. Thanks Jeff?
No, you would not be required to carry workman's comp on yourself; I would recommend personal policy coverage, in your case.
Can you carry motorcycle insurance for only half the year?
Yes, I would just purchase a 6 month policy if you only need a half years coverage.
What is replacement value coverage?
This is defined as the cost to repair without regard to depreciation. All the homeowners policies that I have seen have a cap of 4 time the ACV or the policy limit, whichever is less. When you have a full replacement cost policy you also have the requirement to carry full replacement cost value on your policy at 100%. What this means is that if you don't have enough coverage to pay the full replacement cost, then you will be penalized on every claim whether large or small. For this reason, you only want to carry full replacement cost if you are sure that you have enough coverage to avoid the penalty.
How does premise liability pertain to condo property divided land?
Condominium AnswerRead your governing documents to verify that a master insurance policy is required for the association, and the details of liability coverage required.Individually, unit owners may also carry liability insurance. That policy defines 'premise'.The master policy coverage will define 'premise' also.Depending on the claim, different policies may be involved.Insurance Answer[TBD]
Coverage To Drive?
If you are driving a car in the state of Illinois, then you need to carry insurance on the vehicle. Uninsured motorists can get insurance at affordable rates if they know where to look. There is a minimum amount of coverage that the driver needs to have on their insurance. This amount is not high so that drivers can get insurance coverage at an affordable rate. However, if a driver wants to take a risk and let someone else drive their car, they need to carry uninsured motorist insurance on their policy. The minimum amount for this coverage is $20,000. This covers the driver of the car if they were in an accident and were not covered under an insurance policy. In the event of a car accident and the driver of your car or the other car were not covered under their own insurance policy, the uninsured motorist coverage would protect not only yourself but the other drivers in the accident. The coverage will pay for any medical necessities that are incurred during the accident and any wages that are lost. The coverage will only pay up to the amount that you have on your insurance policy. Anything over this amount will be the responsibility of the driver. If the accident was the fault of the other driver, then their insurance will cover up to the amount listed on their policy and then your insurance will cover the remaining amount. An uninsured policy is different than an underinsured policy. An underinsured driver has insurance, but they may not have enough coverage to pay for the expenses if the driver were in an accident. An uninsured motorist has no insurance at all. The only way that an uninsured motorist can usually drive a vehicle is if there is a family member who has taken out the uninsured motorist coverage on their insurance. An uninsured policy is not expensive to get, but it would be best for the driver to obtain their own policy as soon as possible.
