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Can cars registered to different drivers be included on the same policy?
Yes so long as it meets the required terms for insureds interest and coverage. Common on family policy, cosigners etc. "An insurable interest must exist"
What kind of policy issues certificates of insurance to insureds?
group insurace
How do you find out if you are on an insurance policy as the insured?
Look on the declarations page (aka dec page). It will list all of the policy information including limits, deductible, and named insureds.
Can someone else buy insurance for a lease car?
Yes but you would need to have the lessor and the lessee as additional insureds on the policy.
What is membership in Health care insurance?
Most group (insurance you get thru your employer) health companys/policy refer to their insureds as 'members'.
Who should be the owner of joint life insurance?
It would more than likely be one of the insureds. Usually the 1st named on the policy. Look at your policy or call the agent or company and ask..
Does your insurance cover property damage from the tenant?
No. Damage done by a tenant is specifically excluded on a dwelling policy. Tenants are considered insureds under the policy and damage done by an insured is not covered.
Can an insured be removed from a Homeowner's policy without their written permission?
Yes. The primary listed insured is also the owner of the policy. The primary insured can add or remove additional insureds as they see fit.
What was created to protect policy owners insureds and beneficiaries under insurance contracts when insurers fail to perform contractual obligations due to financial impairment?
Potatoes were created. you might be surprised to here that people invented potatoes to protect policy owners insureds and beneficiaries under insurance contacts when insurers fail to perform contractual obligations due to financial impairment.
What are the rules regarding combining named insureds on a commercial package policy?
Typically, only entities that have more than 50% of the ownership in common may be combined on one policy. But double check with your agent.
What does the additional interests endorsement cover on a homeowners policy?
It doesn't, Additional interests are where other entities, companies , individuals, lien holders etc, can be listed as co-insureds on your policy. It has no effect on the underlying coverage.
Why can't you name and additional insured on Workers Compensation?
Because this form is designed for general liability policies because the insurer is obligated to defend and indemnify that additional insured in accordance with the policy terms and conditions. Generally, the insurer remains obligated to fulfill its obligations under the policy even if the additional insured's negligence is the sole cause of the liability for which damages are being sought. Insurers, however, always try to limit their exposure as to additional insureds and the intent is not to cover other company's employees. Coverage for those employees should be provided by their employer and most General Liability specifically exlude coverage for employees.
