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What else can I help you with?
Does a learners permit have to be insured in new york?
Anyone driving in any state is required to be covered on the insurance policy of the vehicle they're operating, whether named on the policy, or covered by uninsured motorist coverage on that policy.
Who is liable for damages from an hit-and-run unlicensed driver and the insured owner of the vehicle was the passenger?
Both the Driver and the Owner are liable for the damages. The driver, whether licensed or not is the primarily liable party. The insured passenger owner is secondarily liable for damages by the unlicensed driver he permitted to operate his vehicle.
If unlicensed minor is given keys to parents car and finds themselves too drunk to drive causing equally unlicensed minor to drive and get into accident who bears liability for all damages?
The parents of the first child. Insurance will not cover this because a policy holder has a duty not to let unlicensed driver have their vehicle, whether a minor or not. The first parents are responsible because they knowingly let their child drive without a license and their kid let an unlicensed drunk driver drive their vehicle.
Is corrugated tubing underground for water drainage considered part of construction material for Coverage A - Dwelling Coverage for homeowner insurance?
Your issue is probably not going to be whether or not it is part of coverage A but the whether or not the damage was caused by a covered cause. Underground pipes are usually damaged due to maintenance rather than a covered cause. For it to be a covered cause it must be sudden and accidental damage. Roots causing damage or erosion is not a covered cause. Find out what caused the damage first.
If an insured person allows an uninsured person drive her car and the uninsured driver has an at fault wreck who pays?
The Driver "and" the Vehicle Owner are both jointly and severally liable for all damages. She should contact her Insurance Agent for advice as to whether or not the Auto Insurance Policy will provide coverage for the unlicensed driver
Will homeowners cover diamond ring if flushed?
It just depends on whether you scheduled your diamond ring for coverage on your policy. If the diamond ring was scheduled as a covered item on your home insurance policy then it will be covered. If you did not schedule the ring and or did not pay the premium for fine jewelry coverage then no, it will not be covered.
Is a work trailer cover by homeowners insurance?
A trailer is not covered under a homeowners policy whether or not it is used for work. You need to purchase a seperate policy to cover this type of property for physical damage coverage. While it is being towed and attached to a vehicle the laibility coverage from the vehicle extends to the trailer so if you back it into someone's car the towing vehicle's liability insurance will pay for the damage done to the other person's car.
Will homeowners policy cover replacement of driveway culvert?
It all depends on whether or no the driveway culvert is covered by a covered peril listed in your policy and that there is not an exclusion which would then exclude coverage. For example if your policy has the peril of "vehicle collision" in it, and a vehicle collided with the driveway culvert and caused the damage, it would be covered as long as there is not an exclusion saying it would not be covered for some reason. Also, you would have to own the driveway culvert and not the city, as your policy only property you own.
Is an unlicensed driver crashes a vehicle that is insured what happens?
Technically, the insurance company should cover the costs of the other vehicle. If the unlicensed driver took the vehicle without permission, the owner may even be able to collect on the collision insurance to cover part of their expenses, but if he/she does that he/she will probably have to show a police report that the unlicensed driver took the vehicle without permission and that it was technically, automobile theft. On the other hand, the insurance costs for the owner may to up dramatically whether the owner gave permission or not. It all depends on the insurance company and how they view the circumstances. The unlicensed driver may not be allowed to get a drivers license for several years, depending on state laws.
Do I need a licensed mechanic to perform a minor automotive repair?
The answer to your question depends on what the minor repair is, and whether the unlicensed mechanic is someone you know and trust. I would suggest that if you have taken your vehicle to a shop the mechanic should be licensed, and if you want any damaged to be covered under a binding agreement to go with a licensed professional.
Will insurance cover an accident by an unlicensed driving a licensed insured drivers car?
It just depends on the type of insurance policy that was in force on the car and whether the unlicensed driver is considered an insured under the terms of the Vehicle owners Auto Insurance Policy.If the Vehicle Owner has a "Standard Form Policy" then in most cases where there is no violation of law, fraud, or deception, a permissive use driver would be covered under the owners policy.If the Vehicle Owner has a "Named Driver Policy", Often referred to as a "Limited Lines Policy" available as a more economic option in some states. Then no drivers other than those listed on the policy are covered.It's best just to contact your agent or your insurer to determine the extent of coverage provided under your auto insurance policy.If on a standard form policy and the accident is covered, you may be surcharged an additional premium or suffer policy cancellation for the negligent action of allowing an unlicensed driver to operate the vehicleAnswerGenerally, if they cover the loss, it would be the insured's driver's car insurance. This question really is to general and really requires specific policy review.
What the difference between a unlicensed and a license driver being in an accident?
For insuring purposes it just depends on whether there was an active policy covering the driver (licensed or not) at the time of the accident. So long as there is active coverage and the driver is not excluded and meets the definition of a covered driver under the terms of the insuring contract, the accident would still be covered.AnswerA licensed driver would take complete responsibility in it while an unlicensed dude would be directly put in jail for illegal driving after paying 4 damages
