If you are convicted of DUI DWAI or DWI are you still completely covered by your policy if you have full coverage?
The majority of companies will cancel the policy. If by chance they decide not to, be prepared to pay a very, very high premium.
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If the car has full coverage and someone else is driving the vehicle will the insurance still cover both vehicles?
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. ( Full Answer )
Insurance for a Car you do not own Yes, You can Insure the property of another Person. So Long as you do so properly and have authorization to do so and the owner is benefited, or an other insurable interest in that property exists. An example is a case where dad says " OK, you can use my spare… car but you gotta get your own coverage". If You have permissive use from the owner of a vehicle, then obviously you have an insurable interest. However, Only the Legal owner of the Property or the designated agent of the owner can receive compensation for the property in the event of a covered loss, so you need to list the owner as an insured on the policy. If you buy proper insurance coverage, Then Dad will be proud and happy you were prudent enough to fully insure his and your interest in the vehicle he loaned you. You can not insure the property of another when no insurable interest exists and only the legitimate owner can receive compensation for a property loss. For Liability purposes any authorized driver has an interest in the insured status of a vehicle they are driving. List all drivers for liability purposes and list the owner for his property interest. Failure to disclose ( AKA "concealment") that the vehicle is owned or driven by another can negate any comprehensive or collision coverage and compromise liabilities. Meaning that the company would not have to pay in the event of that type of loss. ______________________________________________________________________ Yes, you can. I did through Allstate Insurance Company. They did not ask if the car was in my name and I did not tell them anything different. ( Full Answer )
Will insurance cover a total loss to a full coverage auto when the car is covered by a personal policy yet the car is titled to the owner's company?
Not sure I totally understand your question. Are you both the owner of the company (and the car), the car is titled to the company, but have the car insured as a private/non-business auto? What were the questions on the application? They ask about business use, if those weren't answered honestly the…re could be a problem. Or are you saying the company ou work for owns the car, but you have to carry insurance on it? Same question about the application would apply. Please be more specific and I'm sure I could be of more assistance. ( Full Answer )
If your spouse was not listed on your policy and had an accident in your vehicle that has full coverage does your policy cover repairs on it?
Your auto insurance automatically covers all family members that live in the household. However, by not listing your spouse as a driver you have not disclosed all the licensed drivers in the household, which is one of the questions on the application. Since the premiums you have paid did not reflect… all the correct information, the insurance company may back charge you premium for not having him/her on the policy. ( Full Answer )
If a person has full coverage insurance on a car and another person is going to drive the car but isn't listed as a driver on that insurance are they still covered?
Answer . Normally, if you call your insurance company they will be able to answer this question for you. Since most insurance companies are different than others its always a good idea to double-check.. Answer . \nwith direct they are covered as long as they don't live in your house.
most people refer to full coverage as having the state required liability coverages as well as coverage on your vehicle, collision' and comprehensive coverages''.......there are many many coverages that you can elect to purchase, (ie accidental death, umpd,medpay, rental, tow, and etc)
Answer . \nThe term "Full Coverage" can mean many different things to different people. Typically though it means that you have Liability Bodily Injury, Uninsured Motorist Bodily Injury, Collision, and Other Than Collision coverage. In states where Personal Injury Protection is mandatory then y…ou would have that too. Beyond that I would not assume that a person has any additional coverage under a "Full Coverage" policy. This includes towing, rental car reimbursement, or medical payments coverage. In addition to that there are exclusions involved with all of the above mentioned coverage's. Be very carefull in making assumptions about what full coverage means. ( Full Answer )
Answer . Full coverage would be Bodily injury/Property damage/ Uninsured motorist/ Comp/and Collison, plus I would add Underinsured motorist. Liabilty is for bodily injury and property damage.
Answer . The collision coverage specifically covers the repairs to your vehicle, regardless of fault.. If you are at fault for instance, your car would be repaired, but you would be responsible for the deductible cost.. If you were NOT at fault, your repairs would be covered fully, and at no ad…ditional cost of the deductible.. Answer: . A means of protecting your auto from damage stemming from an accident between the insured and another vehicle and/or object. . ( Full Answer )
If you hire a driver with a four year old DWI on his record will your full coverage insurance cover him?
Answer . You'll need to inform your insurance agent of any employees who drive your vehicles. If they feel that it's been long enough they may not be uncomfortable with the risk. On the other hand, many insurance companies consider drunk drivers to be in a high risk category and will considerabl…y raise your insurance rates. Talk to your agent, be as frank as possible. Don't overstate or understate the situation. You'll probably need to put something in writing about the driver but the agent will tell you what you should do.\n. \nIf he has learned his lesson after his first DUI arrest, he should be given an opportunity to show what he can accomplish. On the other hand, if he's had multiple DUI arrests, he has demonstrated a contempt for law and the safety of others on the road and he is a serious risk to your business and to others on the road. Recognize that if you fail to reveal his driving record problems, the insurance company could refuse to pay for part or all of an insurance claim. ( Full Answer )
When a dealership requires you to have full coverage insurance what are they looking for in your policy?
Answer . Liability and comprehensive and Collision, this secures them usually in the loan if you have an accident\nThese coverages are also listed as:\nBodily Injury, Property Damage, (depending on the state you may have to have medical payments and uninsured motorist coverages)\nAlso purchase R…ental Reimbursement on the auto policy, contrary to popular belief if you are in accident the dealer will not give you a rental car. ( Full Answer )
Answer . Depends upon whether this was a first offense or not. 1st offense usually carries a bond of $200 to $1000 while multiple offenders would receive a higher amount.. "The bail in these kinds of arrests is just similar to the other criminal cases. Depending on the nature of offense, some co…unties have a bail schedule. A number of counties free the suspects at just a personal security, without any need for posting a bail. . Although a large number of counties free the accused on the personal security and few ask to post a bail. The drivers, who refuse a chemical test, with a blood or breath alcohol level of 0.20% or more, or who did an accident are always set to post a bail. The drunk drivers will be required to post a bail, which would be generally of $100,000 or even more. A bond for such a bail typically requires a 10% down payment of the amount in order to get the driver released." ( Full Answer )
Answer . Full Coverage covers usually refers to having maximum liability, comprehensive and collision coverage on your policy.. Maximum liability coverage covers third party injuries and damages when you are found at fault for an accident.. It also gives you comprehensive and collision coverag…e that will cover repairs to your car if you are at fault for the accident, or something out of your control happens (vandalism, hit a deer).. It is referred to as full coverage because your assets are covered as well as thrid party assets. ( Full Answer )
Why do they call it full coverage insurance when a normal policy doesn't cover the full cost of the car if any moneys are owed?
Full Coverage . They call it full coverage because it means your car's damages will be paid for regardless of whether or not the damage is your fault.
Answer . there really is no such thing as 'full coverage', i know many people have heard and said this, if you have 'comprehensive' coverage on your vehicle that is the coverage that applies to this type of loss........
Full coverage will cover acts of nature and vandalism and theft.Full coverage completely insures the car against all acts committedby others or from accidents.
a DUI is when you are under the influence of alcohol or any other drugs and it stands for D riving U nder the I nfluence; a DWI is when you are drunk while driving and it stands for D riving W hile I ntoxicated. Both will end in highly priced fines and arrests. its best to be safe then sor…ry, don't drink and drive. ----To better explain it, DUI is basically drinking and driving with a BAC under your states required level, and or/ under the influence or narcotics, or over the counter/prescription drugs. As a DWI is drinking and driving with a BAC over the limit. Expensive! The terms DUI and DWI are often used interchangeably. However, the correct term and associated definition depends on your state's specific statutes on driving a vehicle while under the influence of alcohol, drugs, or otherwise impaired. Certain states even refer to it as OVI (operating a vehicle while impaired), OUI (operating under the influence), OWI (operating while intoxicated), and so forth. The penalties associated with the offense differ from state to state, no matter what people call the criminal offense. ( Full Answer )
No it does not! I asked that of my insurance company and it doesn't. However, you CAN get it covered at an extra cost. (It's all about the money.)
the injury to or death of each person as a result of any one accident
if your full coverage includes comprehensive coverage then yes,Auto theft is covered under the comprehensive portion of your autoinsurance policy.
When you get a DUI, DWI, or open container, there's typically a license suspension period which follows afterwards. Once this suspension period is over, and you've met all the conditions for reinstatement of your license (including payment of reinstatement fees), you can get a CDL 30 days later (you… must hold a valid DL in your state of residence for at least 30 days before that state can issue you a CDL). However, if you don't have at least five years between your DUI/DWAI/open container conviction and the time you're trying to find a CDL job, you're only wasting your time and money - nobody will hire you for any driving job, least of all, a CDL driving job. ( Full Answer )
You have gap insurance and full coverage insurance but your boyfriend totaled your car and he is not on your insurance will your insuances still cover your car?
You'll have to seek out the fine print in your gap policy for details on that. In regards to your auto policy, full coverage does not have anything to do with who is covered, but everthing to do with what is covered. Generally speaking damage to your car will be covered, minus your deductible, unles…s your boyfriend is excluded from the policy. For the future it's always a good idea to add drivers to your policy, even if it's for a day, no sense in putting yourself in a position like this. ( Full Answer )
Unless you have specialized insurance, it will not cover mechanical breakdown. If your transmission is damaged due to a collision, it is possible that it would be covered. If it simply failed you are probably not covered.
DUI is Driving Under the Influence and DWI is Driving While Intoxicated. There is really no difference between the two. Some states like Texas use DWI while other use DUI. However, some use both, The DUI refers to drugs and the DWI refers to alcohol.
Medical bills for yourself and anyone else in your car in case of an accident
What are your rights as a civilian or dependent stationed overseas when charged with a DUI or DWI and what evidence is required to charge or convict for DUI or DWI?
Depends on where you get your DUI. As a Civilian, whether Civil Servant or Military Spouse, if you are not on base and get a DUI/DWI in the host country, you are subject to their laws, period. They may choose to hand you over to the Base Commander, at which point (as a spouse) the evidence must be t…he same as required in the US (as simple as failing a field sobriety test) or of equivelant nature. As a civil servant, you can be subjected to the same UCMJ laws overseas, as you agreed to when you submitted your orders to go overseas or accepted a position overseas. ( Full Answer )
Yes, although if your conviction was within the past five years, you'd be better off to wait instead of rushing off to CDL school.
Most states use DUI or dwi to mean the same thing-the state decides which acronym. But some states do differential the two for dwi as involving a minor and a DUI involving someone over the legal drinking age. So, depending on your state, it could just mean that you are facing a second offense DUI or… it could mean you are facing a DUI after being charged with driving drunk as a minor. If this seems confusing, the link goes into more detail about the differences. ( Full Answer )
It depends on the state you are in. States often use the terms interchangeably but the charges can come with different penalties for driving while drunk. There are a few states in which charges of DWI and DUI are used to describe two separate laws. One for adults charged with intoxicated driving, wh…ile the other applies to minors being charged. If this is confusing, the article goes into more detail. ( Full Answer )
Driving Under Intoxication and Driving While Intoxicated . Idk what's the legal difference but that's the difference between the two acronyms .
Not as long as the resulting suspension period from your DUI conviction is in effect. If it has passed, and you've reinstated your licence, you can upgrade it to a CDL. If your DUI occurred within the past 10 years, your prospects of finding employment as a CDL driver are slim. If it's been within t…he past five years, you'd be best advised to pursue another career path, and not waste your money getting a CDL. ( Full Answer )
You can, but with two DUIs on record, it's going to be rough trying to find employment.
If you still owe money on your car and the warranty just expired on it but you do have full-coverage insurance and then the car has a huge mechanical break down how do you get it covered?
Sorry. Insurance covers accidental damage from accidents. It doesn't cover mechanical breakdown. Hopefully you can get the car repaired and not find yourself paying on a "dead horse" but sometimes that is what happens. You need to protect your credit rating because someday you are going to want to …make a major purchase such as a house or new car and if you have bad credit that is almost impossible. ( Full Answer )
Yes. However, one must be determined to be the primary policy and the other as the secondary policy.
the term "Full Coverage" is a layman's term. You will not find this language in your policy. In order to determine if you have Medical Coverage you just need to look at your policy and see if you have Medical or Personal Injury protection. Your policy will indicate such and the limits of coverage… available. Happy Motoring ( Full Answer )
A dui/dwi can represent you when you go to court. They understand the drunk driving laws and penalties in your state and can possibly get your sentence reduced or even thown out of court.
Basically, if you are interested in becoming a lawyer of any sort, you need to pass the bar exam. Once you have done this, you can specialize in the field that is most interesting to you. Many students focus on a particular field while undertaking their law degrees in university. Then, they go on to… getting their first jobs in these fields and work their way up the ladder. ( Full Answer )
It depends on the plan you select and how much you pay for home insurance. It usally covers fire damange, water damage, natural disaster damage and theft.
"DUI's are now currectly called Driving Under Influence, it means you have a certain blood alcohol level that is higher than what you would have with a DWI or driving with influence."
Will your home owners policy cover damage to your car from a tree falling on it on your propertyi do not have full coverage on the car?
Short answer--No! In order to have the claim covered on the vehicle, you would need full coverage on the auto policy. This peril is covered under comprehensive, which is part of what is known as full coverage to the auto.
When carrying full coverage on a vehicle is a windshield replacement automatically covered in the policy for free?
Windshield repair or replacement is typically included in "full coverage". Depending on the policy you may, or may not, have to pay a deductible.
You need to read your policy for the details of what is covered as there are special limits on many items including, jewelry, art, collectibles, firearm among many other items. I recommend that you go through this part of your policy in DETAIL to see the coverages that are provided, if they do not a…ppear to be enough contact your agent and see if they can sell you additional coverage for those items. ( Full Answer )
Getting a CDL isn't the problem.. it's finding employment. For the first three years after your DUI conviction, you're untouchable. Nobody will hire you. After that, the insurance points drop off, but it still remains on your MVR. Most companies won't hire you if you've had a DUI within the previous… five years. It can affect you for up to seven. ( Full Answer )
If you were in an accident yes it would, if you are talking about having insurance to cover criminal charges and fines, I'm pretty sure that is illegal.
If you have a minor driving your vehicle without having them listed on your insurance policy, then the insurance company will most likely deny any and all coverage if they should ever have an accident in the vehicle. You are not paying for insurance for them to drive the vehicle, so why should you e…xpect them to pay the claim? You policy states that you agree to notify the company of all drivers and by not doing that you have committed material misrepresentation which means you broke the contract. If you broke the contract they are not liable to keep their part of the contract. ( Full Answer )
A criminal driving while intoxicated or driving under the influence is innocent until proven guilty. If guilt is established the penalty will depend on state law as well as on any aggravating circumstances. First offence is punishable for up to six months in jail.
While a DUI means to be driving under the influence, and DWI means to be driving while intoxicated. A DUI is the less severe punishment, and that you were not drunk enough to be classified as a DWI.
DUI is Driving under the influence which usually means you are not as intoxicated as you would be if you were charged with a DWI, which means driving while intoxicated.
Depends on what your asking coverage for. If your asking will your homeowners "Liability Coverage" replace orrepair a damaged ATV then no. Liability covers damages and injuriesto others. SO,, If your asking will it cover injury to a pedestrian orbystander ( Not a resident of the insured home ) , T…hen yes itwould provide coverage for the cost of legal defense and courtjudgements for an injury claim against you. ( Full Answer )
You can technically get full coverage (comp and collision) coverageon any age vehicle, but it is usually not practical to get it on areally old vehicle since if the vehicle is in an accident and isdeemed a total loss you will not get very much for the vehicle.