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The way my policy from farmers reads....
"Permissive user limit of liability"
If this policy provides bodily injury liability in ecess of 25k per person and 50k per accident and or property damage liability limits in excess of 10k per accident, the the amount of coverage in excess of those limits shall not apply to the operation or use of any motor vehicle by any person other than the named insured an additional driver listed in the DECLARATIONS of this policy or a FAMILY member.
i.e. Yes, with this policy they will cover anyone you seem fit to let drive your vehicle, however THEY are only going to cover you for the excess coverages, the other person driving your vehicles are getting state minimums no matter WHAT coverages you have paid for. UNLESS they are a "family member" which not sure, but dont think they define which type or how close of a relative this must be.
HOPE this helps
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∙ 14y ago
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The age of consent in Indiana is 16 years of age.
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The minimum Liability Requirements in the United States are regulated by each individual state. You will need to contact an insurance agent in your state and ask the minimum limits required.
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There are almost as many different limit requirements as there are states that require insurance. Without knowing what state you are located in I cannot tell you what the minimum insurance requirements are in your state. You also must remember that the minimum limits allowed by law are not the limits that are needed by most drivers. Minimum limits are for minimum class of your clients. A family that owns a $250,000 house, 3-4 cars, a little money in the bank need much more than the minimum limits of liability coverage. What happens if a son has an accident and a couple of people get hurt and a couple of cars get totaled. Minimum limits will have you in a courtroom answering to a lawsuit quickly. Your house may become their house so be carefull.
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It is customary to have the same limits on UM as you would have for your own liability limits.
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The summary when Indiana became a state?
the summary when Indiana became a state the summary when Indiana became a state
