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2008-02-12 07:44:43
2008-02-12 07:44:43

In a Non Permissive use accident, The insurer does not cover damage or injury to another party, However damage to the vehicle being driven will likely be covered the same as if the vehicle was stolen and damaged.

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Although it depends on your insurance, the driver is covered if driving with your permission.


Insurance is VERY specific when it comes to when coverage starts. If you had the accident BEFORE you got insurance any damage sustained before you purchased the policy damage would not be covered. If you had an accident after the purchase of the policy then any damages would be covered.


It depends on your coverage & the state, but normally if you have full coverage your insurer will cover any accident you are in.



Physical Damage coverage on an auto policy covers all parts of the car that are damaged in a covered loss or covered accident. Maintenance issues are not covered on auto insurance.


Any accident is covered, but keep in mind you're only covered for the amount of coverage you bought, and that if you are at fault, your rates will go up (and sometimes even if you're not at fault).


Generally, your coverage expires at midnight on the last day of your policy. Until then, you are covered. There may be some time limit during which you must report an accident, but if it happened while you were covered, the insurance company should take care if it.


InsuranceSo long as That driver was not excluded from coverage, then Yes, that driver would be covered under a standard Texas Auto Policy.


Theft will be covered by most auto insurance policies as long as you have full coverage insurance. It will not be covered if you only have liability or basic coverage.


No. If you had an accident with your husbands car and you were at fault with only PLPD insurance, the damages to your vehicle would not be covered.


Anyone you give permission to drive your car,is covered under your insurance.


He should, and he should also either ensure that he's covered by Workers' Compensation or Occupational Accident coverage.


It is not a secret. You need to look at your policy for the effective date and time of the commencement of coverage.


Full coverage or not the answer is usually yes unless that person is specifically exclued by name from that policy. The person has to have permission or implied permission to be using the vehicle from the owner.


Yes, That's how it works. The insurance company sells you coverage in the form of an insurance policy and you pay a premium in exchange for that coverage. If you don't pay for the coverage then your not covered.




In a perfect world, they would pay. Unfortunately, your car is covered by your insurance company and if the accident was the fault of your friend (in your car), then you insurance company must pay. If all of this was without your permission, you could press charges and try taking the person to small claims court for damamges.


Yes, your Health insurance can provide coverage for injuries received in an auto accident beyond what may have already been covered through an automobile insurance policy. Your health insurance however is specific to you and the covered persons under your policy. It will not pay for property damage or liabilities for injuries to others.


Rental car coverage is an add-on, check your policy to see if you are covered - if there was another vehicle involved in the accident and the driver was at fault, his or her insurance should pick up the tab.


This is different from policy to policy. You need to check the owner's policy to see what is covered. If the owner didn't pay for such coverage, then the damage is not covered. Provided the owner is paying for comprehensive and collision coverage the damage will will be covered, subject to a deductible, as long as the driver is not excluded from coverage.


If you are driving a car in the state of Illinois, then you need to carry insurance on the vehicle. Uninsured motorists can get insurance at affordable rates if they know where to look. There is a minimum amount of coverage that the driver needs to have on their insurance. This amount is not high so that drivers can get insurance coverage at an affordable rate. However, if a driver wants to take a risk and let someone else drive their car, they need to carry uninsured motorist insurance on their policy. The minimum amount for this coverage is $20,000. This covers the driver of the car if they were in an accident and were not covered under an insurance policy. In the event of a car accident and the driver of your car or the other car were not covered under their own insurance policy, the uninsured motorist coverage would protect not only yourself but the other drivers in the accident. The coverage will pay for any medical necessities that are incurred during the accident and any wages that are lost. The coverage will only pay up to the amount that you have on your insurance policy. Anything over this amount will be the responsibility of the driver. If the accident was the fault of the other driver, then their insurance will cover up to the amount listed on their policy and then your insurance will cover the remaining amount. An uninsured policy is different than an underinsured policy. An underinsured driver has insurance, but they may not have enough coverage to pay for the expenses if the driver were in an accident. An uninsured motorist has no insurance at all. The only way that an uninsured motorist can usually drive a vehicle is if there is a family member who has taken out the uninsured motorist coverage on their insurance. An uninsured policy is not expensive to get, but it would be best for the driver to obtain their own policy as soon as possible.


It will definetely be covered if the person had a drivers license and insurance on their own vehicle...but it should be covered as long as their vehicle was sitting when your vehicle was wrecked...but also since you were in the vehicle at the time of the accident it should be covered as long as they had a license


No. You are not covered in a lapse period. A period of lapse in coverage means " No Coverage ".


No, it's a separate coverage that you may purchase.



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