A good rule of thumb about car insurance is that the insurance follows the car. So, if you own a car, have full coverage, and loan the vehicle to someone, and that person has an accident, your car insurance will step in to cover both your car's damages and any property damage. This might not be true, however, if the other person is a resident relative (ie, lives in your house) and has access to the vehicle all the time. In a case like that, you could have coverage issues because you didn't tell your carrier that someone else was regularly -- or might regularly be -- driving your car. Your rates are based on you as the driver; you don't pay your carrier to cover someone else.
The un-insured driver will have to turn to their health insurance company for coverage if he carried no auto insurance.
Usually yes. It depends on the brand of insurance though. You should check with your provider to be sure.
Most insurance companies allow household members can be excluded if their drivers license is suspended. By signing an exclusion form this means that there is no coverage at all if the excluded person is driving one of the covered vehicles and a claim occurs.
Underinsured motorist coverage is a coverage in case you have an accident with someone who doesn't have insurance or enough insurance. For example, if someone hits you and they don't have enough coverage to fix your car, your insurance would help you out.
Just because you are denied insurance coverage with one company doesn't mean you will be again. As an independent insurance agent, I represent over 15 different auto insurance companies and if someone is truthful with me I can place them with the company that has the best coverage and rates for their situation and driving record.
There are several insurance companies who offer automobile insurance policies for Honda branded vehicles. Automobile insurance companies such as Progressive, Geico, and State Farm offer these policies. Many other insurance companies offer insurance coverage as well.
If you have an auto insurance policy that covers non-owned vehicles - then your liability and collision coverage would likely extend to your rental car. If you don't have collision coverage - then you will be on the hook to repair the rental car. If you don't have any auto insurance - then you can be sued for a lot of money by both the rental car company and the person you hit.
There are many reasons why someone would want to get event insurance coverage. In case someone has an accident or something during an event it is important to be insured.
Usually your own insurance.
Yes they will, but you may have to pay a deductable if you do not have uninsured motorist coverage, and you you must have comp & coll coverage.
First of all AARP is not an insurance company. The Hartford insurance company is promoted by AARP. Usually the first line of coverage is with the policy that insures the vehicle involved in the accident. If that coverage is not sufficient to cover then the policy insuring the driver of the borrowed car may be able to add extra coverage.
That depends on your insurance coverage. If you have collision coverage, your insurance will cover your damages. If do not have that coverage and don't have the other vehicle license plate, unfortunately, you're stuck with all the bills.
in that case you would have to have full coverage, but i would check with your insurance company and see what applies to your policy. Allstate offers a great plan.
Yes & No. You still have to have liability coverage, which is the lowest type of car insurance, if you plan on driving another person's vehicle. Because, several years ago, I drove my friend's vehicle and the brakes went out and I rear-ended another vehicle. My friend did not have insurance on his vehicle, so my license was suspended for three months for no insurance. I advised the DMV that the vehicle wasn't mine! But, they told me that it doesn't matter! I should have had liability insurance anyways, if I was planning on driving someone Else's vehicle!
Although it depends on your insurance, the driver is covered if driving with your permission.
The owners insurance will be responsible for coverage in an accident involving permissive use of their vehicle.
In California insurance follows the vehicle not the driver. If you are driving someone else's vehicle their insurance would first be looked at to provide coverage. If for some reason they deny coverage (which some may do if a person not listed on the policy was driving), and you're at fault, then the other person or their insurance company can come after you for payment. This is general info as every company handles things just slightly different.
Your coverage should kick in - if it was a matter of fault, you will be in the driver's shoes unfortunately.
At least liability. If you're still making payments, or someone holds a lien on that vehicle, then you're required to have full coverage.
It really depends on the type of coverage you have. Normally if that person had permission to drive the vehicle, you have full coverage/collision insurance, and that person was at fault your insurance will cover damages. If someone else caused the accident, you would still receive damages from their insurance if they were insured. Sometimes however the driver's insurance would cover your damages under certain circumstances. As always, it is really best to ask your insurance carrier or refer to your most recent coverage letter from the company.
The coverage you need will be specific to your own needs. The best way to asses the coverage you'll need is to speak with someone at the insurance agency that holds your policy. They can help you decide what kind of coverage you'll need.
No, liability insurance is when there are injuries involved. If you are injured in an accident when someone else is driving your car, your liability insurance would cover your medical costs. Comprehensive and collision insurance on the car you were driving should pay for damages to the vehicle.
Medicare is based on individual coverage. Unfortunately, you can't be added to someone's Medicare coverage.
It depends on the type of policy you purchased. It may provide coverage for permissive use or it may not. Contact your insurance agent and they can advise you of the coverage you have now and recommend the appropriate coverage for you.
Of course nobody has to have insurance, but it's always a good idea. Typically someone will request that you provide proof of insurance. If you have coverage for your mechanic shop, garage keepers coverage is an endorsement that extends coverage to the customers vehicle while in your possession.