Yes, the primary driver has to be it in because the car is listed in their name.
Im speaking from experience where my mom (who didnt want to drive) rented a car in her name. The company would not let anyone else unless they were added on the policy, and still then, she had to be in the car with them.
The definition of a primary driver is the main person who drives a vehicle. Other people who sometimes drive are secondary or part time drivers.
Yes, All drivers in all 50 states are required to provide proof of financial responsibility when operating a motor vehicle on public roads. Whether you are a primary or secondary driver is not pertinent.
No. If he is listed at all, then he is covered. If he IS the primary driver of a vehicle, then he should be listed as such.
If the vehicle has brakes on the steer axle (which any truck from 1975 and newer will have), they're using both the primary and secondary system - primary for the drive axle and trailer brakes, secondary for the steer axle brakes, and often for any additional lift axle brakes, as well.
Generally, they operate a vehicle which requires a CDL. Whether this is their primary function, or a side function which goes with the job depends on the actual job itself. An over-the-road driver will be a truck driver first and foremost, whereas a rig laborer in the oilfields will only be a CDL driver as a secondary function.
It really depends on the laws of your State and the policies involved. That being said, usually the policy on the car in question is primary in the resolution of any claim, and then the driver's policy would be in a secondary position.
Usually the insurance policy of the owner of the car is primary and then if the driver of the car has a policy of their own then it is secondary.
The Owners Vehicle Policy offers primary first pay coverage. Any policy carried by the driver would invoke as secondary coverage.
Were they a named insured in the Household? By most companies, if you are rated in the household, you may drive any vehicle in HH. Yes, coverage should still apply to the vehicle however I would try to get the title of the car changed out of the name of the deceased party's name as soon as possible.
The extra driver needs to be added onto the insurance policy. Having someone drive a vehicle and not having them on the policy can be a large problem if an accident were to happen.
No. Insurance follows the vehicle primary, driver secondary. Since the driver is at fault and there is no coverage under the vehicle itself, the drivers policy would pay for any bodily injury or property damage he may have caused. Therefore uninsured motorist coverage would not apply. The only way that driver would have coverage for himself is if he already had Med Pay coverage on his own policy.
NO. The insurance policy has to be in the name of the titled owner.