What does it mean when someone is excluded from an auto insurance policy?
By excluding a person from an auto insurance policy, you are stating that the "excluded" person will not drive the insured vehicle, and that you understand that the "excluded" person is not covered by your insurance in the case of any traffic violation (accident, ticket, etc.). Answer It means there is no coverage available to the excluded person in the case of an accident while driving the said vehicle. There will be NO COVERAGE.
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The loss payee is any entity that has financial interest in the vehicle (usually a financial institution) that notifies the insurance company and the policy holder of that int…erest in writing. Any entity can be a loss payee, including your father, if he can show financial interest. . Answer . The loss payee is usually the finance company that holds title to your vehicle. In the event of significant damage to the vehicle the loss payee needs to sign off on the check from the insurance company for the damage. This usually happens after the damage has been repaired. In the event of a total loss the loss payee will be sent a check for the amount of the loan and anything left over will you to the insured. Hopefully you won't owe more than the car is worth in the event of a total loss.
Maybe add maybe not - Read further . If you need to it can be done. Wether or not you need to depends on some of the factors listed below:\n. \nAre you wanting to add them… and their vehicle?\nIf yes, then only if you have an insurable interest in the vehicle (Your name is on the title as well as theirs) otherwise they would need their own policy. This is true for most companies, but there are a few like Progressive that do not ask about insurable interest.\n. \nAre you wanting to add them just as a driver of your auto?\n. \nAnswer depends on how much they will be using your auto.\nOccasional operation by a non-relative not living with you is generally allowed without them being added to your policy. If they will be using your vehicle on a regular basis most companies require you to add them. Thge price to add them will vary depending on their age, driving record, sex (M/F not Y/N), type pf vehicle, etc.
Answer . Clas on an auto insuranc epolicy refers to the vehicle type.. IE , sedans, sport, luxury, non-owner, etc.., etc,,,
Your 20 year old daughter lives at home with her own auto insurance do you have to exclude her on your own policy?
Answer . No, you do not have to exclude her, but if she is rated on your policy and you are paying that higher premium and want to exclude her to reduce that you might… be able to, but remember if she's an excluded driver under no circumstances should she ever drive that car, as there will be no coverage, on your vehicle or the others she damages should she have an accdient in it that is her fault.
Answer . Answer If you have Auto Insurance and it's on your parents Insurance Plan then yes you have Insurance, but if you are on a friends Insurance Plan, I don't think… you'd be covered in an accident unless that person is your girlfriend, boyfriend.
One of my family members was hit by a driver who carried insurance but was an "excluded" driver on the policy of the car she was driving. After talking to the other person's i…nsurance company, an excluded driver is essentially equivalent to an uninsured motorist. That means that his/her insurance company will not represent them and that, if they are liable for the accident, your insurance company can go after them personally for the damages.
You can not buy Life Insurance if you have HIV because it is a disease that can kill with no known cure. There is the option to buy a Guaranteed Issued policy if you can affo…rd the premiums.
no, and the privacy act applies as well
No. The insured must be the owner of the vehicle on the title. The only time this can vary is in the case of a husband, wife, and minor children who live in the same household…. All residents of the household as well as any drivers must be listed as drivers on the policy. Some companies will allow the owner to be listed as an insured and not be listed as a driver but only if the owner does not have a license. This will also require them to sign and exclusion which is an agreement that the person not drive the vehicle and if they do drive there is no coverage whatsoever on the vehicle while the excluded driver is driving. As a matter of full disclosure, I own and operate a small Independent Insurance Company in Central Georgia and have for the past 22 years. Prior to that I worked as an agent for a direct writer of insurance for 3 years.
In New York State can you exclude a spouse from your auto insurance policy if she will never drive due to a lifelong disability?
As long as you let the insurance company know that you are married and the reason she will never drive the vehicle.
I am pretty sure that they can do that I'm a little younger than you probably think so. Hope it helped, Abbey
What does a rider on disability insurance that excludes coverage for existing diabetes mean for that policy?
The rider is simply called: "diabetes exclusion" - excluding any disabilities that occur due to diabetes.
Is there an auto insurance company in pa that will allow me to exclude my husband from my auto insurance policy?
I'm sure there are several auto insurance companies that will allow you to exclude your husband. You need to know what exactly this means. It means that if he drives one of th…e vehicles on your policy for any reason at all that there will be no coverage provided by your policy. In exchange for this exclusion you will not be charged anything based on his driving record. Remember that it makes no difference if you get back together for a weekend, if there is an emergency and he drives you to the hospital, if his car is torn up and you let him borrow it, there is no coverage until after the exclusion is lifted by the insurance company. You do not have the authority to lift it yourself, only the company can. If you still want to do this I recommend that you go see and independent insurance agent who represents many companies and let them search for the best rates and coverage of companies for what you want.
In Dog Behavior
If you have expenses due to being bitten by someone's dog, one waywould be to go to your insurance company to make a claim. They willgo after the people for you and find out i…f they have umbrellainsurance.