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A non-owner policy is only used if you do not own a vehicle. How can you have hail damage on a nonexistent vehicle? The answer is no there is only liability on a non-owner policy. For full disclosure, I own and operate a small Independent Insurance Agency in Central Georgia and have for the past 22 years. I worked a an agent with a direct writer for 3 years prior to that.
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∙ 12y ago
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Whose auto insurance will cover you if driving another persons car in Florida?
The insurance policy on the vehicle you were driving will pay any damages assuming the owner of the vehicle and the owner of the insurance policy is one and the same.
Does the owner of the stolen vehicle cover the damages to my vehicle?
no ae u crazy
Does homeowners insurance cover damages that the previous owner failed to disclose?
No, the policy is only for occurrences between the coverage dates. You likely didn't start the policy until the closing date so previous damage would not be covered.
If a homeowner is injured and may require surgery will homeowner policy cover this?
Nope, a homeowners policy does not cover the home owner.
What does home owner insurance not cover?
There are millions of things that a homeowners insurance policy does not cover. To find out what it does cover just read your policy, anything not on there is not covered.
If leave your car at a dealership who is responible for damages?
If a car is left at a dealership, the car owner is responsible for any damage. Theft or damages are not covered in the insurance policy of the dealership.
Who is liable for damages above the maximum limit on your policy when you are not the driver?
The driver of the vehicle would be considered as secondary. Say you own a car, and are insured with company X. You let a friend borrow your car, and they have insurance with company Y. If there is an accident that exceeds the limits of the policy for company X, then company Y would pay up to their policy limit to cover the remainder of the balance for damages. If the driver does not have their own insurance, then potentially both the driver and the vehicle owner could be sued and be responsible for damages.
Does landlord insurance cover car damages on property?
No, that's what car insurance is for. If someone hit your car, that person is the one liable for your damages, not the property owner where it was parked.
Will auto insurance cover an accident if one is at fault however the driver in the other vehicle is not the owner of that car and is not on that car's insurance policy?
Yes, your auto insurance will payout to the other party involved in the accident. Your auto policy covers "you" from any financial loses. So in retrospect you wont have to pay the damages you caused to the other veichle. Concerning the party that is not the owner nor on the car owners policy, the car owner's auto policy covers the car and any lawful driver aslong as their were no "misrepresentation" on the insurance application/contract. By misrepresentation I mean, at the moment the car owner signed the application and contract he wasto state any material facts that could change the underwriting decision such as premiums. For example, if the car owner has a son who will also drive the car, the car owner is obligated by law to diclose that to the insurance company. In the event that an accident occurs and a "undisclosed driver" was operating the veichle the insurance has 2 options. 1. He can Void the policy/contract and not cover the auto owner. or 2. He can cover the auto owner and payout damages but later sue in a court a law that amount and underpayed premiums for the time the policy was active and the undiclosed driver was operating the car. *Note" In rare cases, an insurance company will cover the "undisclosed driver" aslong as the difference in the premium is paid.
What does a named non owner policy cover?
It's a liability only policy. Non owner means you do not own a car so all you can get on it is Liability and some medical coverage.
Who pays insurance on a rental home?
The owner will usually have a policy but if you are a renter, you should have a renters insurance policy to cover your personal belongings.
Who pays for the other cars damage in a two person accident if the owner of the car was not driving?
The owner of the car is responsible for the damages that car creates, regardless of who was driving. If there is a lawsuit, the insurance company is certainly going to enjoin the driver. And you need to read the insurance policy carefully to know whether they cover other drivers.
