Insurance laws differ state to state. The most logical thing to do is to call your agent! Does your son have his own policy? Is he listed on another policy? If the answer to those are no, in MA your answer is no! 4lifeguild
If you gave him permission to use the car (called "Permissive Use") you should be covered. Your insurance rates will likely go up.
Yes.
insurance is insurance as long as it wasn't done to profit the owner/ yes you are covered
Nope.
If a car is totaled in an accident and only liability insurance is present, there is a chance that the other party's insurance will pay for the vehicle if the accident was their fault. If a car is totaled, but no others were involved, then the responsibility falls on the registered owner. This will not release the registered owner from paying for the vehicle, either, if money is still owed on the car.
Totaled vehicles which have been rebuilt generally have a "salvaged vehicle" title, or whatever it's called in your state. Vehicles with a salvaged vehicle title are by definition, not as valuable as the same vehicle with a clean title. If the vehicle is subsequently in another collision, the insurance company will not pay as much since the loss was not as great. Insurance companies only need to pay you for the actual value of the vehicle.
That insurance will probably cover the BANKS interest in the vehicle and any liability that may be assigned to it, but little or nothing for you.
you will have to pay a debt and GET CAR INSURANCE
used of automobiles; completely demolished; "the insurance adjuster declared the automobile totaled"
Based on your question, I'm guessing that their policyholder simply didn't have enough coverage to pay for all the damage to all the vehicles involved. I would have to know a little bit more about what happened, but you're only realistic action at this point is taking their policyholder to small claims court. However, if you have your own coverage, use it and let your insurance company deal with it.
A vehicle is totaled if it cost too much to repair it. Usually, insurance companies determine whether or not a vehicle is totaled.
No, the insurance company takes the car and they give you the value of the car,(depending on condition,make,model,year,# of miles).