Is he rated on the policy or another in the household as a driver? He needs to be.
No. I'm a lawyer. <><><> He can take you, but he has some legal issues to overcome. If the vehicle was insured against damages, the insurance compnay is the injured party. Not the owner.
No,the vehicle will not be covered.
It depends on the type of insurance coverage. If it was Liability insurance only, and she caused the wreck, then it is not covered. If it was Collision coverage, and she caused the wreck, then it would be covered. If she didn't cause the wreck, I'd check with the insurance company of the person who did cause it.
As long as your son was on the policy or had permission from the owner of the vehicle to drive it, he should be covered.
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.
When car insurance expires the car and passengers are not longer covered so when a wreck occurs there will be no help with paying medical bills or to fix the cars involved in the wreck. May be subject to a fine if not insured.
Yes, you can drive your car without insurance, but if you get stopped, you will get a ticket, if you have a wreck, you will get a ticket, if you have a wreck and the other person does not have insurance, you are both gonna be up to your eyeballs in medical costs, not to mention paying for the damage to the vehicle.
It does cover your liability for property damage and medical expenses if you were at fault. If you have collision insurance, your vehicle will also be covered.
Most policies state that you have to notify them of all household members and drivers of the vehicle. This is something that you have agreed to do in the insurance contract. Many insurance companies will allow you to exclude the person from your insurance policy if they absolutely do not drive the vehicle. When you sign an exclusion you are agreeing that not only does the person never drive your vehicle but also that if this person does drive for any reason there is no coverage under the policy while he is driving. If you get sick and cannot drive but your boyfriend does and has a wreck they pay nothing. In order for a person to be covered they must be listed on the policy and any premium for them must be paid. Doesn't that sound fair. They are covered only if you pay for them to be covered.
The Driver "and" the Vehicle Owner are both jointly and severally liable for all damages. She should contact her Insurance Agent for advice as to whether or not the Auto Insurance Policy will provide coverage for the unlicensed driver
Depends ... if you are using a personal auto that is insured for 'pleasure' and using it for delivering goods to customers (which is conducting a business), then NO your insurance will most likely not pay. However, if you have been honest and upfront with your insurance company and have the car insured for use in business venture, then you might be covered.
If you do not own a vehicle, but have a driver license, you can obtain a non-owned auto policy. Check with your local independent insurance agent. I don't know if direct writers (State Farm, Allstate) writing these types of policies, but most independent agencies can find you a company that will.