Asked in Auto Insurance
Do you have to have full coverage on each vehicle you have or is it enough to have it on one and liability on the others and be fully covered?
June 14, 2008 11:32AM
You'll be fully covered only on the vehicles for which you choose to place full coverage insurance. The others will only be covered for liability losses if you only buy liability coverage for them.
Asked in Auto Insurance
Why do people buy cheap liability car insurance instead of full coverage?
Asked in Insurance, Auto Insurance Claims
Your truck was totaled and the person that hit you does not have enough insurance what should you do?
Asked in Consumer Liability, Auto Insurance Claims
Who pays if sued for more than liability coverage?
Asked in Insurance, Auto Insurance
Is it illegal to drive a car owned by the main driver but mainly used by the second driver both covered with insurance?
If they are covered under the same insurance policy no. Please be advised if the main driver is not listed as a driver on the said vehicle then there could potentially be no coverage in event of loss. It depends on the insurance company. As long as main driver has owners permission and there is valid insurance in force. Make sure there is adaquate liability coverage. If something were to happen and not enough coverage was there the injured other party is legally able (in ca) to. sue the owner of the car for 50% of his wages for next 20 years.
What liability do you have when your 18-year-old moves out but still drives a car in your name?
The registered owner is ultimatly still responsible for the vehcile. Liability and all. They will still go after the driver of car too. And if there is not enough Liability coverage on the vehicle they have every right to also go after the driver. Please note... any parking tickets received or camera pictures will go to the owners address.
Can schizophrenics get professional liability coverage?
What kind of car insurance pays for your injuries when you're in an accident in your car?
Three types of auto insurance come to mind: medical payments (or personal injury protection), liability coverage and under/uninsured motorist coverage. Med Pay is coverage that protects the occupants of a car and pays medical bills up to the amount of the med pay policy limits. Liability coverage is the car insurance that pays on behalf of the at-fault driver. This coverage makes a lump sum payment to the injured person who is not at fault. UM coverage is owned by the injured person and pays them in cases where the at-fault driver does not have any insurance or does not have enough liability coverage.
Asked in Insurance, Auto Insurance, Best Buy
What is the best coverage to buy for an older vehicle?
Depends on several factors. Just how old are you talking? Is the vehicle worth anything? It may be eligible for a collector policy if it is not a daily driver. You certainly want enough liability to be really protected(a high amount). If the vehicle is not worth anything according to blue book or collector guides, then comprehensive and collision are not necessary to carry. Greg Nice firstname.lastname@example.org
Asked in Insurance, Auto Insurance
Do I owe back payments for full coverage since a tire on the highway caused 6000.00 damage and my insurance company stated I only have liability even though there is a lien on the car?
No you don't owe any back payments to the insurer for coverage you never had. If you only purchased liability then they will not be paying for the damage you described. It is not a good idea to expect your insurer to have psychic powers when it comes to the coverage you need. They were not present when you signed you financing contract. Your Automobile finance contract required you to obtain full coverage. It is your job to do so. Your financier does have the right to repossess your vehicle if you fail to maintain the type of coverage you agreed too in your finance contract. If you are lucky enough to have an insurance company that is willing to retroactively provide you with comprehensive coverage then that insurer does have the right to expect you to pay for that retroactive coverage.
Asked in Auto Insurance
What is the average liability insurance a 23 year old should have on his car?
Asked in Auto Insurance, Dog Care, Chihuahuas
What is the least expensive coverage you should have for a car worth only about 1500.00 and driven no more than 2 miles per day?
This is completely up to you on what coverage’s you choose since at the end of the day, you are the one who will have to face the consequences of not having enough insurance. But I would recommend getting liability coverage. Since your car is not worth much it would be a waste of money to have collision coverage, after the deductible is paid out. So just get the liability, but get more then the state minimums in order to fully protect yourself. I always believe in having a lot of liability coverage, as you never now what can happen on the road.
Asked in California
San Diego Car Insurance Requirements?
Like most of the states in the Unites States, California has made it a requirement for every driver of a motor vehicle to possess liability car insurance at a minimum. Liability coverage pays for damages inflicted to the body and vehicle of the driver who is struck by the insured person. The minimum level of car insurance required in San Diego, and all of California, is as follows: $15,000 for medical expenses for a single occupant, and $30,000 for multiple occupants $5,000 in additional property damage, including vehicle repair Of course, as we noted, this is the minimum car insurance required for a driver to be legal on the road in California, and it is considerably less than what is first required in other parts of the country, and second less that what may be required for the victim to recover from the accident. While liability will pay for damages to the victim's vehicle, it leaves the insured driver responsible for the repairs to their own vehicle, which is not covered by liability-only insurance. Of course, in the event that the damages or medical expenses to the driver who was hit by the insured are higher than the amount of coverage provided, then the insured may also be sued and deemed responsible for the additional charges. Most drivers now also carry uninsured or under insured coverage to pay for the repairs caused by a driver who carries only liability coverage. The risk of being hit by someone who does not carry enough insurance to cover all expenses is far too great for many drivers, and so as a means of self- protection, many drivers now choose to add this rider onto their own car insurance policies so that they are covered, even if the insured driver who caused the accident is not. Collision and comprehensive motorist coverage is available to those who can pay for that level of insurance. Aside from accidents caused by the insured or others who may cause an accident, collision and comprehensive coverage can cover the insured's person and their vehicle in the case of an accident that involves no other motorist, such as veering off an icy road into a ditch or immovable object. Only liability car insurance coverage is required of San Diego drivers; however, every driver is strongly recommended to carry a policy greater than the minimum required – not only to protect others, but also to protect themselves and their loved ones.
What happens if you hit a person with your car and they try to sue you?
The first place to look is your auto liability coverage. You don't say what state you are from, but let's say you have the minimum coverage which is typically around 15/30/5. That means if you hurt one person, you will be covered for up to $15,000 for Bodily Injury. If that's not enough, you'll be on the hook for the rest. Sorry. You're welcome from http://www.boomer-survival-guide.com
Asked in Homeowner's Insurance
Do you have to file suit to recover from a homeowners liability coverage?
Asked in Insurance, Liability Insurance
What type of liability insurance can you get to lease a commercial building for personal non-business use or is an umbrella policy from your homeowners liability insurance enough for the landlord?
Umbrella policies are often written as "following form" which means it only provides coverage if your primary (i.e. homeowners policy) provides coverage. Ask your insurance agent if you need to add the new location to the liability section of your homeowner's policy. You may also need "fire legal coverage" which can pay the landlord if you accidentally cause fire damage to the leased building.
Asked in Insurance
How much is public liability for a pool party?
If the pool is at your house then it is covered in your homeowners as Coverage L. Most policies come with the standard 100,000, but if you feel like that is not enough coverage you should contact your insurance agent to discuss the different options that you have. I know that in most cases, it is just a few dollars extra a month to add it to your policy. Some companies will also offer a rider that will allow for extra liability for such events like pool parties or yard sales. Again, call your insurance office and ask them what they have to best fit your need. Hope I was helpful!
Asked in Medical Insurance
Is a genetic condition considered a preexisting condition?
Can a car be repossessed over having liability coverage insurance instead of full coverage?
If the lender required full coverage (to protect their interests) as a condition of the loan and you drop it and replace it with a liability only policy, then you have breached the terms of the loan. The lender now has the right to declare the loan in default and demand immediate payment in full of principle and interest. Failure to pay as demanded then gives them the right to repossess the car and have it auctioned. If the auction does not get enough money they can sue you for the difference!
Asked in Insurance, Homeowner's Insurance
Does Homeowners insurance cover grandkids who vandelized neighbors property?
It just depends on whether you are liable for the acts of your grandchild or not. It might be that the childs parents are legally liable for their acts in your jurisdiction. Not knowing your local regulations, theres not enough information in your question to answer properly. In general though, If you are not liable, then your insurance would not need to cover it because your not responsible. If you are liable then it should be covered under your liability coverage but not under your property coverage terms because it's not your property.
Whose auto insurance will cover you if driving another person's car?
Borrowed Vehicles for the UK In the UK - the general rule is that the driver's own vehicle insurance will pay for any accidents other than when the driver is driving a car with permission and is named on the car owner's policy. If the driver has no insurance the driver has a personal liability to pay for injuries and damage to third parties. Either the car owner's insurance can be used to meet a compensation claim or the Motor Insurers Bureau will step in to pay compensation if no car insurance is available from either the driver or the owner. See the related link entitled "accident car insurance" - for an explanation of all forms of car insurance in the UK and the function of the MIB. Insurance Coverage in Someone Else's vehicle - USA In The USA this will vary state by state according to local regulation as well as the type of Auto Insurance Policy in place at the time. It's always best to get coverage advice from your Insurance Agent. As a general rule across the 50 states, if the owner of the "personal use" vehicle being driven has adequate coverage then that policy is treated as primary and any coverage the driver has is secondary or excess in the event damages exceed the limits of the vehicle owner's insurance policy or in the event of no coverage for the operator under the owners policy. If coverage is afforded under the vehicle owners policy then it will act as primary coverage. If not, then the drivers own auto liability insurance (if any) will step up from secondary and invoke as first party coverage. Depending on the policy language and coverage selected options, liability, uninsured motorist, pip and medical portions will all invoke and provide you coverage. Additional Considerations or possible coverage Gaps (Please add more here if you can think of some) Your Personal auto Policy will "Not" follow you for operation of a hired business or commercial use vehicle unless you have elected business use coverage as well. If the vehicle owner has purchased a limited form type or a "named driver" policy. though economic for those on a budget, no coverage at all may be afforded to occasional or permitted drivers. The degree of coverage beyond the above that may invoke are dependent on various factors such as the reason for driving the other vehicle, loaners, rentals or replacement status vehicles and other local or state regulations. It's always best to talk with your agent and make sure you undertsand your coverage before loaning or borrowing a vehicle. Happy Motoring Insurance Coverage in anothers vehicle I am an auto insurance adjuster and the quickest answer to your question is - "it depends on the Owner of the vehicle's policy language". Most auto insurance policies WILL in fact cover ANY driver of the insured vehicle, UNLESS that driver has been previously excluded from the policy or UNLESS the driver has STOLEN the vehicle. This would have to be proved with a copy of a theft report filed by the owner. Now, most of the time this is the case - but NOT in all states, and NOT on all policies. I urge you to call your agent BEFORE you drive a friend's car or BEFORE you let a friend drive yours. Here are more answers and opinions from other FAQ Farmers: The insurance will only cover you if you are listed under their insurance with the car owner. I had to find this out in a hard way. They will, if the car owner has given you permission to drive. But if not, they won't and I fell into the second case. A good rule of thumb is that 'insurance follows the owners liabilities as far as coverage is concerned. The policy in force on the vehicle involved in a loss will cover the damage to the vehicle itself and provide the liability limits if other parties are involved and are covered under the terms of that policy. This does assume that you had the owner's PERMISSION to drive the vehicle involved. A lot also depends on the state. I'm in Texas - my policy specifically states that anybody that I allow to drive my vehicle is covered. At the same time, my policy will cover me in somebody else's vehicle (with the same coverages that I carry), and also cover any new car for 30 days, to allow time for me to give them the car information. They tend to be a lot more liberal than most companies though. And I don't carry collision anyway (my car is 15-years-old with 165k miles, not worth it), just theft, uninsured motorist and liability. I think this question could vary state to state. However, in WA, the insurance on the vehicle is primary, and if the drivers has insurance on another vehicle, or a broad form policy, theirs is secondary. Hope that helps, just my 2 cents. The vehicle's insurance is primary. If liability insurance on the vehicle is inadequate your own policy will come in as secondary and protect "YOU". The driver's insurance applies. Think of this: how can you lower your insurance premium: you, the driver are experienced, good driver (no accident, etc.) As soon as I add my daughter to my policy, it changes to inexperienced driver and not good driver category! SAME car....! The insurance follows the Named Insureds Liabilities. That is the general rule. However, in some states, there is case law that will hold the owner's and driver's insurers coprimary for liability coverage IN SITUATION WHERE THE DRIVER IS USING THE OWNER'S CAR AS A TEMPORARY SUBSTITUTE VEHICLE. Generally though, the driver's policy is excess or secondary. A car is insured under comprehensive and collision insurance. The Named Insured Drivers are covered for Liability purposes. For the car to be insured in the case of an accident there are stipulations placed on who can drive the car relating to driver age, experience, driving record etc. this may vary from policy to policy. It all depends, Specifically As with most questions like this, it depends. Specifically: 1. Auto insurance follows the named Insured Liabilities. So, if you're driving your friend's car and rear-end somebody, your friend's liability insurance may take care of the other vehicle's damages. 2. But what if your friend doesn't carry insurance? Most likely your insurance will step in, but if Ohio requires vehicle owners to carry liability insurance, your carrier will most likely go after your friend for the money they paid to protect you because, by law, your friend should have paid for his own coverage. 3. Does the car belong to a relative? More specifically, a relative in your household? This would likely result in your carrier denying coverage for you because you didn't tell them a relative owns a car that you're driving. How often you drive the car could also affect your carrier's decision. 4. But what if you have full coverage, and you wreck your friend's car that doesn't have full coverage, and you don't normally drive the car? Most likely, your carrier will step in and pay for the damages to your friend's car. Your carrier is "excess," but if no other first-party coverage exists, they'll usually take care of it. See #3, though, because this wouldn't apply to a relatives vehicle. insurance on the vehicle The kind of Insurance you are speaking of is a Named non-owners policy. If you are driving someones car that you borrow it needs to have insurance too. It is illegal to drive a car without insurance (for that car) The driver and owner could get a ticket for the vehicle not being insured. Insurance Coverage In my experience as an auto insurance adjuster, the car carries the insurance. It would tie up the courts if settlements were partially on the vehicle and partially on insurance carried by the driver. If your car is involved in an accident while being driven a person who does not have your permission (as the Named Policy Holder) it is possible that your insurance company, after an in-depth investigation, including sworn statements by you, may try to subrogate against the unauthorized driver's insurance. There is an excess clause in nearly every auto policy. One particular Auto Insurance carrier is famous for trying to deny coverage based on this excess clause. But, as far as I know EVERY company's policy language includes this excess clause. In MOST cases, where only PD or MD (property damage or material damage) are involved, companies will agree to pro rata shares of coverage. The above-mentioned carrier tends to dig their heels in the sand, however, and prolongs the handling of such claims, which nearly ALWAYS translates to a costlier claim process. most generally yes, your exact coverage will transfer over (if that vehicle is uninsured and there are MANY ''if's'' in this ) to this uninsured vehicle, if it meets the criteria of 'non-owned auto' 'temporary replacement vehicle' etc......but NOT on a continueing bases...you can't just insure one vehicle and drive a non insured one indefinately...understand? In the state of AZ, the insurance follows the car. Your own coverage may extend to a vehicle that you are using with permission but only as secondary coverage. 1 Until this answer is improved by an expert, this layman's answer will have to suffice. IF the driver is not named on the vehicle's insurance, the terms of the insurance policy will dictate the handling of a liability claim for the accident in which the vehicle was involved. Normally, if the driver is: 1. Legally licensed to drive, and 2. Has the permission of the owner of the vehicle to have been driving it at the time of the collision, then most policies will cover the "Permissive User." If the vehicle you borrowed does not carry insurance and you do, your insurance becomes secondary to cover the claim. The owner's insurance is primary. 1 Generally, throughout the insurance industry, if there is insurance on the vehicle involved in the collision, then that insurance is considered "primary,' and is the policy which will provide first coverage if coverage is extended to that driver. Then, IF the primary coverage is not adequate [not enough money], the driver's insurance [considered secondary] will kick in for the balance owed on the liability claim, until its limit is reached. typically the insurance on the car is primary.....if that policy has collision coverage (am assuming there is liability coverage as that is required).....the vehicle policy will repair that vehicle....if that vehicle does NOT have collision coverage and driver has a policy with collision coverage then drivers policy will step in (2nd)......if neither policy has collision coverage and the driver of your vehicle is at fault..........no company is repairing that vehicle..... and yes as mentioned which ever policy pays for the 'at fault' accident those rates are increasing......could be that both pay....yours for the other parties damage under liablity portion (if your vehicle is at fault) and drivers collision coverage (if your vehicle has no coll.cov) That is determined by the coverage clauses in both parties policy. The person whose insurance company pays will be the one whose rates increase. You usually are covered by the insurance for the car...if your friend drove your car and you had insurance on your car, they would be covered on your insurance, not their own Generally not. While you're an insured driver, it's your the policy covers only your liability. with permission from the owner, as long as there is no exclusion, and you are not a 'regular' driver, if you are using the vehicle with any regularity, you would need to be listed as an insured driver. No. The person who owns the car and has it insured will be responsible through their insurance. However, they can take you to small claims court for the amount they had to pay and will win the case.
Asked in Auto Insurance
Does an auto insurance policy have to be in the same name as the car loan?
Lien Holders Insurance Indemnity Clause Yes, Your finance contract (Loan) almost always requires that the borrower provide a Full Coverage Auto Insurance Policy on the vehicle being financed to protect the lien holders interest in the property until the loan has been satisfied. It's a matter of your finance contract. Failure of the borrower to provide the coverage required under the terms of the finance agreement puts the borrower in "Default" on the finance note subjecting the vehicle to repossession and other remedies at the lenders disposal. Include All Drivers For Full Coverage, The Insurance policy should be properly in the name of the vehicle owner with any additional drivers listed as additional insureds on the policy. When the vehicle is still under a finance note. The finance company will generally require that the buyer maintain full coverage auto insurance until the note is paid. As this is part of the finance agreement signed by the buyer, failure to do so can subject the vehicle to repossession by the finance company. Operators Liability For liability only, any driver may obtain a liability policy for operation of the vehicle whether they are the owner or not, Since the Driver as well as the vehicle owner can both be held equally liable for any loss regardless of who is driving, most insurers will require you address the insured status of the owner as well. Owners Liability The owner "Name on Title" is just as liable for an accident in the vehicle as the driver is, even though the owner may not have been driving when the accident occurred. If someone was kind enough to sign for you to buy a car, the least you can do is make sure you don't expose them to a lawsuit over a future accident you may have in the car. This is why many states have begun requiring the owner to have sufficient coverage regardless of whether the owner actially drives the car.
A Guide to Understanding Utah's Auto Insurance Requirements?
Utah residents who don't carry enough auto insurance face stiff fines and possible jail time. As a result, most Utah residents have questions about how much auto insurance they should carry before they drive a motor vehicle. Here is a quick guide that can help you understand Utah's auto insurance requirements. The guide provides details about Utah's liability, injury and property damage coverage requirements that can help drivers finding adequate auto insurance in Utah. As a result, please use this guide as an aid while searching for adequate auto insurance coverage in Utah. Utah's auto insurance laws require drivers to purchase bodily injury coverage. For example, drivers must purchase at least $25,000 of bodily injury liability coverage per each injured person that is injured in an auto accident. Moreover, drivers must also purchase at least $50,000 of bodily injury liability coverage to cover potential accident-related damages. Utah laws require drivers to purchase this coverage because Utah's auto insurance laws feature a "No-Fault" clause that allows drivers to recover damages sustained in an auto accident without having to prove who was at fault for the accident. Utah's auto insurance laws also require drivers to purchase property liability coverage. This coverage must include at least $15,000 of property damage liability coverage to cover potential accident-related property damage. This requirement was installed to provide coverage for accident-related property damage that is not covered by Utah's bodily injury liability insurance coverage requirements. Utah's auto insurance laws allow drivers to purchase supplemental auto insurance coverage. For example, drivers may purchase supplemental plans that cover personal injuries that are not covered by a third-party bodily injury liability policy. Moreover, drivers may also purchase supplemental coverage that protects them from the risks that are associated with driving near uninsured motorists. Utah drivers may also purchase a comprehensive auto insurance policy that exceeds state requirements for casualty and property damage coverage. For more details and information, please contact Utah's Insurance Department. The Utah Insurance Department may be reached during normal business hours at (801)-538-3800 or toll-free anywhere in Utah at (800)-439-3805.