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If a policyholder dies will another family member be covered while driving the vehicle?


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Wiki User
2005-09-06 04:27:34
2005-09-06 04:27:34

Typically yes, unless that person was specifically excluded, in writting, from that particular policy. It is important to transfer the title and insurance as quickly as possible to lessen the chance of complications in the event of an accident. It entierly depends, some policies are named driver policies & you will not be covered unless you specifically add the new driver to the policy. Be aware tho that the insurance should always match the registration of the vehicle.

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If a person is driving a car and he/she is uninsured but the vehicle in which he is driving is registered and insured to another individual, the registered owner is liable for the damages to the other pwesond's vehicle.

If you were cited then you need to appear, if you have coverage on another vehicle then you should bring that proof with you as you should be technically covered for driving another persons vehicle.

You dont NEED insurance in that case you are covered under what is called 'permissive use' on the owners policy, permissive use does not mean you drive the vehicle frequently (not more than 10-20% of the time) but you have the permission to drive the vehicle from the owner/policyholder. You can get "Non Owner" insurance policies in some states that dont require you to actually own a vehicle, this is in SOME states and your driving record needs to be pretty nice looking but it is available.

Auto insurance typically covers the car, not the driver. So, if you have insurance on your vehicle, but you drive another vehicle that doesn't have insurance, you are not protected by your policy if you have an accident in that other vehicle. However, if you have insurance on your vehicle, and you lend it to a driver (from another household) who does not have his or her own insurance, they will be covered by your policy while they are driving your car.

You may be driving another type of vehicle.If that is not the case you can be arrested for being drunk in charge of a vehicle even if you are not driving it.

If you are asking about the automobile insurance policy, it depends on the specific policy. Most policies include protection when driving another vehicle as long as it is with permission of the owner.

Categorically no. The insurance relates solely to driving on company business.

According to Investopedia, the official definition for ULIP is "A type of insurance vehicle in which the policyholder purchases units at their net asset values and also makes contributions toward another investment vehicle."

Yes you are covered on a family members car insurance if you are driving a vehicle owned and insured by them.....

If your insurance policy has permissive use then another driver would be covered in your vehicle if they had an accident. I don't know about other states but in California they should not be living with you and they can not be excluded from your policy. One more thing, they MUST have a valid license.

If you gave permission then it should be covered.

No, in the state of Mass where i am from, the insurance is covered for your car only. It will not follow you if you choose to drive another vehicle. You may want to check the state your are in if this is different, as they may have a different type of policy you can purchase that will cover you. With my experience, the only insurance you have is your health insurance if you are driving another persons vehicle.

There is no easy answer. In the UK policies sometimeshave a "driving other vehicles extension". This allows the policyholder to drive another vehicle, not owned by him/her, for third party risks only. This extension is not found on all policies so an individual would need to check the policy wording and the certificate of insurance.

As long as you have a license. The insurance follows the vehicle, not the driver.

If it's your vehicle then no. You have to add the other vehicle to your policy, otherwise it is not a covered vehicle. If it's a temporary replacement vehicle then coverage may be afforded under your own auto insurance policy.

Yes, it can cover you depending on the reason you were driving another persons vehicle.Remember that auto insurance follows the legal liabilities of the named insured. If you were driving another persons vehicle under the "replacement vehicle rules" then yes your liabilities should be covered under your own auto insurance policy.A replacement vehicle is typically defined as a borrowed or rented vehicle that one is driving because their own vehicle is under repair, broken down or otherwise unavailable to you at the time.If you were just driving your friends car for the fun of it then you should contact your insurance agent for coverage advice.

If the vehicle has insurance it will cover damage to the other vehicle but not the one you are driving. Now if you have insurance on another vehicle your insurance will cover the damage to the vehicle that you where driving even though it is not on your policy.

Auto insurance follows the vehicle so the policy that is covering the vehicle you are driving will provide the coverage.

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