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 considerably 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. If 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.
If they are added to your policy as a scheduled driver yes they will be considered a covered driver.
If a motorist is injured by an uninsured motorist and the driver has uninsured motorist coverage the insurance carrier will provide coverage, if certain information is obtained on the uninsured driver. If a driver has Medical payment coverage or PIP coverage he or she and any passengers will be covered by the drivers auto policy Medical payment coverage.
Yes, if they accept liability and they will pay up to the limit of property damage coverage.
if you have full coverage insurance, yes it will cover you and other driver, depending on the limit of your collison coverage you have. if damage exceeds your coverage, then you have pay out of your own pocket to cover other driver's medical expense and damage. asian623 http://www.myspace.com/scionturboracing
You can get insurance to cover collision in Illinois. Simply check with your automobile insurance provider and add collision coverage to your coverage.
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.
It depends on the individual policy. Most full coverage auto insurance policies will cover the driver no matter what car he or she is driving, but not all. Check with your insurance agent. to see what SPECIFIC coverage you have before you waive the rental insurance at the rental office.
Yes, it will. The fact that the other driver had no license has nothing to do with coverage and liability.
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.
When a car is borrowed (with permission) the insurance of the car owner is primary and the insurance of the driver is secondary. Here, the car owner has no coverage to pay for the damage to his/her own car, so the driver's liability insurance would cover the cost of the car. That is assuming the driver has liability insurance, if the driver doesn't have liability insurance, the car owner is stuck (unless he sues the driver).
Both. It covers the medical expenses of the passengers and the cost of repair to the cars. That is assuming you have full coverage.
If you have "Uninsured or Underinsured Motorist" coverage on your policy, then your insurance will cover it at no cost to you.
Yes the named driver would have the same coverages. You can not split the coverage between drivers, the coverages are the same for each vehicle.
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.
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.
Insurance companies that cover identity theft coverage are available at a wide range. Some examples are Zander Insurance Group, Travelers Insurance and Intact Insurance.
InsuranceSo long as That driver was not excluded from coverage, then Yes, that driver would be covered under a standard Texas Auto Policy.
No, liability insurance only covers the other vehicle if you are at fault for an accident. Coverage for your own car if the other driver is uninsured would come from one of two places: -your collision coverage, this would be the case regardless of if you or the other driver is at fault -your uninsured motorist coverage. This would be the case if the other driver is at fault. This is usually a separate part of the policy, and may or may not be included automatically in your policy depending on the state. I would suggest you either check you policy coverage, talk with your insurance agent or talk with your insurance company.
If an underage permit driver had an accident in a noncustodial parent's car, the insurance of the custodial parent should cover the cost. Contact the insurance company for full coverage benefits.
no, full coverage does
In most states you can purchase under-insured motorist or uninsured motorist coverage that will kick in when the other parties insurance is depleted.
no, the driver has to be on your insurance or have there own insurance. if your driving and the persons with you then yes
Alfa insurance is a full coverage agency. They cover auto, life and home insurance. They have multiple options of coverage for you to choose from.
Yes and i believe no premium hikes if it was not your fault.