I believe your concern is how to keep yourself from getting caught up in a lawsuit if your spouse, you are currently separated from, has an accident. Your best bet is to ask an attorney. Laws may differ from state to state as far as liability. It really has nothing to do with insurance per say because it plainly is liability law. Most times you are as liable as you spouse for any claim. That is why most insurance contracts specifically state the person who is insured is the person named in the declarations and spouse and�.. If your spouse has an accident and you find yourself sitting side-by-side in court, most likely your spouse�s insurance will protect both of you. However, I assume you both aren�t the best of friend right now. That being said, you really have no way of making sure your spouse maintains continuous insurance coverage with adequate liability limits. You could find yourself without insurance coverage or without enough insurance coverage. Unfortunately, the world has change but insurance and laws mostly have not. In a perfect world, we would not have this situation or at least there would be a simple solution. In this case insurance isn�t the problem or the solution. Your ultimate defense is divorce.
if you mean is there a max limit on bodily injury-property damage (and other liability portions) yes, there is......
Bodily Injury Liability of $20,000/$40,000 Limit is required
Yes, if they accept liability and they will pay up to the limit of property damage coverage.
I don't understand what you mean by "limit potential liability". Parents are liable for anything a minor does regardless of whose name the car is in. If the parents are seeking to escape liability for accidents when the child is no longer a minor, then titling the car in the minor's name would be the way to go. This does assume they're comfortable with throwing their no-longer-minor child to the wolves.
The other parties liability should if it was their fault. Your liability should cover the vehicle you damaged.
You can purchase car liability insurance from the same company you get your regular car insurance from. If you are a new car insurance customer, ask your agent to add liability insurance to your plan.
Bodily injury liability and property damage liability.
Automobile Liability insurance, YES. Liability insurance, NO. There are many kinds of liability insurance.
It sorta makes sense that you would own a car. If you do not own a car why would you want liability insurance?
No, in Pennsylvania it is required by state law that you maintain a minimum bodily injury liability limit of $15,000 per person, $30,000 per accident, and $5,000 property damage limit.
You can purchase car insurance liability on a website that deals with car, car purchases, and car insurance. Some of the those website are Allstate, Geicko, and Nationwide.
No, that is for when you hit someone else.
Everyone must have liability coverage of at least twenty five thousand dollars. Collision coverage is optional. You have to have bodily coverage as well.
no it does not, liability covers only the second party.
When a car is borrowed (with permission) the insurance of the car owner is primary and the insurance of the driver is secondary. Here, the car owner has no coverage to pay for the damage to his/her own car, so the driver's liability insurance would cover the cost of the car. That is assuming the driver has liability insurance, if the driver doesn't have liability insurance, the car owner is stuck (unless he sues the driver).
Liability only covers the "other' car/property. So no the rental car would not be covered.
YOU will. only his liability will follow him. you loan your car, you loan your insurance as well. So looks like your not getting your car paid for.
No. Liability covers the others and their property.
How old the car is has nothing to do with it. The only time a car is REQUIRED to have FULL COVERAGE is when a car is being financed. In other words, a bank gives you a loan. Why? Because liability only fixes the other persons car, and if you get in a wreck, the bank will never get their money back from the car. I have owned ~5 cars in my life, financed one, and had full coverage insurance on it. Every other car has been liability only. So again, the age of a car has nothing to do with qualifying for liability insurance. If its being paid for with a bank loan, you need full coverage, if the car is paid off, you can get liability.