People buy cheap liability insurance if their vehicle is not nice enough or new enough to warrant full coverage. The cost of the insurance ends up being more than what they would get if they needed to make a claim.
Sue him.A bit more:If the person who hit you doesn't have enough insurance to cover the damages to your vehicle, then your insurance should cover the balance of the costs if you have full coverage and not just liability insurance.
If the amount of liability insurance coverage isn't enough to pay for the damage, the insurance company will only have to pay the amount of the policy. For the rest of the amount, a personal lawsuit can be brought against the responsible party.
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.
Your question is not specific enough. If you are listed as a "Named Insured" and you are married, then both you and spouse are covered.
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.
If you are competent enough to hold a professional license then I see no reason you could not be insured while practicing your profession.
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.
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 email@example.com
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.
There is no average. You need to have as much liability coverage as you can afford to carry. You must have enough to cover everything you own and your future earnings as you can loose this if you have an at fault accident and hurt someone.
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.
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.
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
This covers you from anything you are liable for. Try to get with a known name company that will cover you a good amount. You always want to make sure you have enough coverage for anything you are insuring.
Not usually no. I just depends on what happened. There is not enough information in your question to answer. If you are the homowner, the answer would be no, you can't sue yourself. It would be thrown out of court.
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.
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!
Yes, if it was known prior to coverage. If you have had continuous insurance since the genetic condition was known and there was no lapse in coverage (or the lapse was short enough), care for that condition will be covered by your new insurer, per HIPAA.
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!
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.
In the UK: If you are driving with the owners permission their insurance covers only third party insurance i.e dammage to the other car - not he car you are driving. But if you are insured on your own car you MAY be covered if you have comprehensive insurance and it states it on the policy documents. ALLWAYS READ YOUR DOCUMENTS before you drive and ask the car owner what insurance they have: don't just assume
Lien Holders Insurance Indemnity ClauseYes, 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 DriversFor 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 LiabilityFor 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 LiabilityThe 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.
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.
That bikini does not provide enough coverage. The news agency's coverage of the wildfire was very well done.