What insurance covers you in any car you drive?
Usually cars are insured for that specific vehicle. Clauses in the policy will detail the coverage of other drivers and any exclusions such as age or license requirements etc. If you have the drivers permission you are usually covered so long as you meet these clauses. To get insurance that covers any car you personally drive you will have to contact the insurance companies to go through what you require.
26 people found this useful
Insurance Coverage. The answer below is incomplete. It is true that you should check with your carrier, but keep in mind, their answer will normally will result in getting more premium. With State Farm and Allstate you as a policyholder will always be covered, unless an excluded driver uses your veh…icle. Otherwise you will be covered. If the driver who is involved in the accident lives in your home they will add the driver onto your policy, or exclude them in the future after the accident, regardless of who is at fault. If you are a new policyholder, you must disclose all drivers living in the household at the time you are purchasing the auto insurance, or run the risk of fraud. Autoclub will lower your liability to the state min. which is 15000/30000, regardless of what limits you have and are paying for. Mercury will try and get out of paying the claim until they get tired of you pushing them. Mercury has to be one of the worst insurance companies one could have in the state of Ca. The answer lies with your insurance company. If indeed they consider you an authorized driver/operator, they will be happy to provide a document to that effect. I think, however, that you will not be covered without being added to the policy by name. Everyone in my home that drives on our insurance has a card that states this. More opinions and answers from other FAQ Farmers: . You have to check with your agent. Some companies such as Mercury, require that everyone in a household be listed as a rated driver or an an excluded person including small children. . There are several factors that need to be considered. "Family member" is a term rarely used on an automobile policy. My brother who lives across the country and probably doesn't even know the color of my car is a family member, but he MAY NOT be covered to drive my car. On the other hand, if he came to visit, borrowed my car and had an accident for which he is liable, those damages would likely be covered. Look for the term "resident relative" in your policy. That will dictate coverage questions for family members living within the same residence. The key here: is there someone either residing in your household or related to you and driving your vehicle frequently enough that they should be 'rated' so that your premium payment accurately covers your probable risk? (i.e., you may have a child that attends college away from home, but returns on major holidays and summer breaks.... you may have a sibling, down on their luck, waiting for finances to improve, but staying with you and using your vehicle to get to job interviews.) If you have non-standard coverage, the carrier will likely require you to list everyone in the household; those who do not have a valid drivers' license, or do not meet their underwriting criteria, will be specifically excluded. The comments about Mercury Insurance and state limits are misleading. Not every state has the same minimum limits. If you are carrying named driver limited lines coverage, 'covered drivers' takes on an entirely different meaning than on a standard policy form. On a standard policy form, nearly any licensed driver that drives your 'listed' vehicle WITH YOUR PERMISSION, is 'covered' while they are driving it barring insurance risk concealment fraud. Generally, though there may be exceptions state to state or company to company, on a named driver policy, ONLY the 'listed' drivers are covered. In Wisconsin, anyone to whom you give permission to drive your car is covered by your insurance. You can not exclude any driver here. The bottom line is, you need to check with an agent you trust in your state because the laws about who is hidden covered and who is not vary dramatically state to state. (MORE)
Usually it does, you would have to check to see if you have a broad coverage policy or not.
Maybe, (barring any exclusions in the policy), if an insured driver, drives an uninsured vehicle, many/most times their policy will kick in. However not always !! Sometimes, it will only come in for the first party damage. Many many questions would have to be answered (ie, do you drive this uninsure…d vehicle often? was this a one time thing? how long has this vehicle been uninsured? why were you driving it? and of course the facts of loss, re: are/were you negliegent, and at fault to begin with?) If you have had a loss/accident while driving an uninsured vehicle, turn the claim in to your carrier, immediately. If you haven't and are just wondering, I would NEVER on purpose drive an uninsured vehicle. (MORE)
Is any licensed driver automatically covered by your insurance policy if the car they are driving has coverage Even if they are not listed as a driver on the policy?
Answer . Generally yes, but you have to check your policy for specific limitations.. Answer . \nWatch out though. In California at least, if a driver is not specifically listed on the insurance policy, the coverage drops to state minimums (15/30/5 in CA).
In what circumstances does your auto insurance cover you and the car if you are driving a friends car?
\n. \n Answer \n. \n. \nCar insurance follows the car.\n. \n Answer \n. \nIf you are using the friend's car temporarily, with permission, as a substitute for your own insured car, your insurance should cover you if the friend's insurance does not.\n. \n Question \n. \nWhat if my f…riend (who has the car) does not have insurance and I want to pay for my faults and fix it - will he be arrested? (MORE)
Answer . Yes, if she has not been previously excluded in writing. If she is going to be a regular operator of the vehicle then she needs to be listed as an operator on the policy.. Answer . An automobile insurance policy coveres named insured, family and anyone who with PERMISSION drives the …vehicle. (MORE)
If you get a ticket and you are not covered in the insurance of the car you were driving does the insurance go up?
Answer . \nA no insurance ticket becomes part of your overall driving record and can and will be used to determine rates for any insurnce policy you have or want to have.
Answer . \nYes there is. Just find a insurance agent and they could set you up.
You need to check with your current insurance carrier. In my case I am insured thru Farmers, and with them as long as you carry full coverage on the rig you own and drive that same coverage will be with you in any rig you drive except commercial rigs.
Answer . \nIt depends on your coverage & the state, but normally if you have full coverage your insurer will cover any accident you are in.
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.
secondary to the policy insuring the vehicle you drove with permission ....barring any exclusions on your parents policy ....
Answer . typcially , insurance stays with the car meaning the insurance on the vehicle would be primary..........
If my daughter does not own a car and is not listed on my insurance policy can she drive friends cars and does their insurance cover any accident she may have?
Answer . Subject to any exclusions in their policy, with permission she would likely be considered an insured driver, but many many exclusion, and one is that she isn't a 'regular'' driver, without being rated on the policy of course.
Liaility . It depends. Some insurance policies go from car to car while others are car specific. In most cases it's the latter, so check with your insurance carrier.
Answer . In most cases, yes, but check with your present insurance agent to make certain.
To whom it may concern,. Normally, your insurance will not cover you driving your employer's car. Your employer normally or should carry insurance on their company cars.. Best Regards,. "T"
If a person is driving a car and he/she is uninsured but the vehicle in which he is driving is registered and insured to another individual, the registered owner is liable for the damages to the other pwesond's vehicle.
What insurance covers medical bills in an accident where someone not on the cars insurance was driving and wrecked?
The un-insured driver will have to turn to their health insurance company for coverage if he carried no auto insurance.
Owner of car says car is insured and you are covered-you crash-it turns out the car is not insured-your insurance covers other party but not the car you were driving. Who pays for damages to car?
The person that lied to you about the insurance would have to pay for it. you could even take them to court. If they lied about the insurance on your car, they could be arrested under a small amount.
If you are driving an uninsured car but you yourself have insurance and you get pulled over do you cover the uninsured car?
No. Your auto coverage is specific to the vehicles you insure. If you're driving a friend's car and he or she let the insurance lapse, or never had insurance, you can't cover them.
If you have your own auto insurance policy for a different car will you be covered if you drive a car not on your policy?
If the vehicle not listed on the policy is a new car that you have recently purchased, you generally have 30 to notify your insurance company of the change. If the vehicle you are driving is just a friends car then, no. Insurance is primary to the vehicle and it is important that the owner of the ca…r have insurance on it and that any drivers of the car be listed as covered on their policy. There are exceptions to everything and these rules will vary by company. It's best to check directly with your insurance company for questions like this. (MORE)
Provided that there are no exclusions in your friends policy, anybody driver their car with permission will be covered if they cause an accident. You are of course subject to the coverages and limits on your friends policy. Ex, if your friend has just liability, the insurance company will only pay f…or damages you cause to the other party, not damage to the vehicle you were driving. (MORE)
If you have insurance and let your daughter drive your car and gets into an accident will your insurance cover for the damages?
when you get the insurance you can register your daughter as an autorized driver and the insurance will cover for the damages.
Not in the UK. It is probably the same elsewhere in the world Home insurance will cover your legal liability, but not while driving a auto. Hence auto insurance. the best u can get out of ur home insurance is maybe ur contents in an auto accident.
How old do you have to be to get comprehensive car insurance that covers you to drive other peoples cars?
As long as you are old enough to legally drive you may get any coverage you wish. However not all insurance companies offer this coverage.. One more thing... this coverage you are asking about is referred to as permissive use.
no, the driver has to be on your insurance or have there own insurance. if your driving and the persons with you then yes
If you are drunk and are uninsured but is driving a car that is insured and get into an accident are you covered?
You will NEVER be covered when you are drunk, you will be fined and put in jail! the reason for this is that too many idiots get behind the wheel of a car when they are drunk , many they have no respect for human life and do not even bother to think that they could kill someone!!
If someone is driving your car and you do not have them on your insurance and they get into accident are you covered?
Although it depends on your insurance, the driver is covered if driving with your permission.
If someone is driving your car and is not on your insurance and they get into an accident while they are drunk is damage covered to your car?
It will depend on the policy, but most policies are legally bound to insure anyone that drives an insured car (as the policy covers both you and your car).
If you have full covered insurance YES. Otherwise it will only cover the other person. DUI accident its just like a regular accident, with the difference that you will go to jail.
Assuming your car is insured any driver is normally considered an insured also. However, if this driver is a spouse, child or someone who regularly drives the car and the "driver" has a bad record and you don't want to pay the premiums, your insurer could deny the claim. Also the owner of the car is… ultimately responsible lending your car out ruins friendships. (MORE)
Yes. U. S. auto policies allow vacation or business driving intoCanada. Keep in mind that this does not mean someone can buyinsurance in one place and live in another place. This is calledinsurance fraud and not only punishable by denial of claims butalso by prison and or fines. U. S. auto insurance… does not extendsuch privilege into Mexico. All U.S. auto coverage ends at theMexican border. (MORE)
Depends on your insurance contract, look at the small print. Some contracts permit you to drive other cars with the owners permission, but, in the UK, give 'Third Party Only Insurance', meaning that if you have an accident, the insurance covers the car you have bashed, but not the car you are drivin…g. So check your policy carefully. (MORE)
Your personal auto insurance will be secondary to the insurance of the vehicle that you are driving (assuming you do not own it and it is not a business vehicle). If you get involved in a car accident while you are operating a vehicle that is -not- yours, then the insurance of that vehicle has to pa…y first, and if that insurance is not enough (or is not there) then your insurance will kick in. Notice that if you get pulled over by police they will ask you to show proof of insurance on the vehicle (not your insurance.) The law requires all vehicles to be insured, not individuals. (MORE)
It really depends on the type of coverage you have. Normally if that person had permission to drive the vehicle, you have full coverage/collision insurance, and that person was at fault your insurance will cover damages. If someone else caused the accident, you would still receive damages from their… insurance if they were insured. Sometimes however the driver's insurance would cover your damages under certain circumstances. As always, it is really best to ask your insurance carrier or refer to your most recent coverage letter from the company. (MORE)
Ordinarily, a person must be named on the policy as a user of the vehicle in order to be insured under the liability coverage. This is because in setting the premium, the insurer takes into account the driver(s) ages, experience, driving record, and other factors.
If the other driver is 100% at fault his will. If you are at fault both yours and the owner's car insurance are potentially on the hook, yours for driving negligently, the owner's for negligence in entrusting their vehicle to a negligent driver, among other things.
You should have coverages available but your policy is considered secondary to the insurance that is on the vehicle.
Yes. It covers you no matter where you are as long as you are paid up for your coverage and it is an active policy.
Almost certainly it will. You have a limited amount of time to contact the insurance company and get a new policy. You can at least start the process by a phone call. If you have any doubts, call your agent or the toll-free number on your insurance card.
As long as you have a license. The insurance follows the vehicle, not the driver.
Will your car insurance cover if you have a wreck on company time and you are not driving one of their cars?
Check your policy, it may have a clause that says it does not coverthe vehicle when it is being used for commercial/business purposes.
If your teen is a Licensed Driver and a member of your household or a minor ward and you have failed to disclose (Concealed Drivers Fraud) by adding them to your insurance policy, then she is not a covered driver under the terms and definitions of your auto insurance policy. However, Since parent…s are liable under the law for the acts of a minor child, Your insurance company may be required to pay for the accident as a negligence claim against the insured parent. If your insurer determines fraud on your part, they are not required to pay any claims arising out of fraud. In fact the law prohibits the insurance company from paying known fraud claims. Depending on the internal operating policies of your insurer, they may or may not cancel the policy if concealment and negligence are determined. (MORE)
It just depends on the type of insurance policy that was in force on the car and whether the unlicensed driver is considered an insured under the terms of the Vehicle owners Auto Insurance Policy. If the Vehicle Owner has a "Standard Form Policy" then in most cases where there is no violation of …law, fraud, or deception, a permissive use driver would be covered under the owners policy. If the Vehicle Owner has a "Named Driver Policy", Often referred to as a "Limited Lines Policy" available as a more economic option in some states. Then no drivers other than those listed on the policy are covered. It's best just to contact your agent or your insurer to determine the extent of coverage provided under your auto insurance policy. If on a standard form policy and the accident is covered, you may be surcharged an additional premium or suffer policy cancellation for the negligent action of allowing an unlicensed driver to operate the vehicle Answer Generally, if they cover the loss, it would be the insured's driver's car insurance. This question really is to general and really requires specific policy review. (MORE)
yes because if you have insurance on your car as long as you name is on the title and you were in the car with your friend most likely the insurance will cover it
Yes. As long as you have obeyed the terms in your policy and you have all members of your household listed on your policy. If you have not listed all household members on your policy as drivers and have not paid the required premium for that person why would you think that the insurance company shou…ld pay the claim. You have lied to the insurance company and therefore voided your legally binding contract by means of material misrepresentation. Most likely if they find out the person will be listed as a driver and you will probably have your policy cancelled. (MORE)
Yes. Your insurance adjusts to the higher or your liability limits or the minimum limits for the state that you drive into. Be aware that all U.S. insurance will cover you in Canada as well but not in Mexico. When you cross the border into Mexico your insurance does not. If you move to another state… you are required to notify your insurance company and if you don't it could be a cause for denying your coverage. (MORE)
Not in the UK it's not ! If you knowingly drive a car withoutinsurance - you're committing an offence - punishable by a fine& points on your licence. The vehicle's owner could also be introuble for 'aiding and abetting' a criminal offence.
As long as you are sure they have insurance and if you are listed as a drive on such insurance policy. If these cases are both yes then you will be covered under their insurance as long as you have permission to drive the vehicle.