No damage, no claims
You will both be charged by the police with driving without insurance. This may make it difficult or very expensive for you to get insurance in the future. There will be no coverage for damage to either vehicle or any bodily injury
Yes you can. one of my relatives did. But if the damamge was really bad, you probably should get it fixed. * Yes, unless a bank or finance company has a lien on the vehicle. The lienholder will insist that the damage be repaired or the money be used to reduce the loan. But if you own it free and clear, the insurance reimbursed you for the reduced value of the car. HOWEVER if you do not have this damage repaired, any future damage will not be fully covered.
What they (probably) told your insurance company is that there was damage to the vehicle when they repossessed it. You should get in touch with the company or your agent and find out how extensive and what kind of damage the lienholder reported. You see, the lienholder might have reported damage you decided you could live with, something you were not aware of, or even something which happened subsequent to them repossessing the vehicle. Find out what the damage is, first...then work on putting together a defense. If it is nothing more than a cracked windshield, it should not effect your future premiums.
Any default on any loan will damage your credit in the future.
No..but it will effect your current and future Insurance rates.
Full coverage generally means it doesn't matter what caused the damage. But if the driver is at fault, he/she will be liable for possible criminal charges and future insurance rates will be higher.
Purchase Extended Coverage that includes Wind and Hail losses with your Homeowners Insurance Policy. This way future losses will be covered.
Its completely optional to get insurance, your choice. If you trust your dog not to cause damage in future then don't but if you want to be just on the safe side then do.
* There should be some provision for you to sign an affidavit stating that you are not required to have insurance because you don't own a vehicle. == == * You may be required to get liability coverage only even though you do not have a car. That way you are insured for the damage you may cause another even if you are driving someone else's car. * Some companies may require you to have a "non-owners" policy. This means that you do not personally own a vehicle or have access to one at your residence. However, in some states you have to have insurance prior to getting your license. The "non owner" policy can be converted to an actual auto policy if you purchase or have access to a vehicle in the future.
Insurance is all about risk...or possible risk. We don't pay for insurance definitively knowing that we are going to use it; we paying for the possibility of future need. Insurance companies need to know the household residents/relatives, because even though your household resident/relatives may not have a license, drive a vehicle on your policy, or even if they have insurance for their own vehicle, it's the mere fact of the possible access to or "risK" of providing insurance for a particular vehicle on an auto policy.
Yes, your auto insurance policy will respond to damage claims even though your may have been intoxicated at the time. However, you may also see a steep increase in your auto insurance rates for the near future.
You should replace the head gasket. This repair is critical to the better performance of the vehicle, and to prevent future damage of the engine.