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2008-02-27 07:42:40
2008-02-27 07:42:40

All drivers should be listed on your policy to be a covered driver. you should add your child to your auto policy for proper coverage.


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Yes, If still a minor the legal guardian (usually the parents) can be sued under parental liability statutes.Yes, if the child was driving the parents vehicle at the time of the accident.No, If your daughter is over 18 or otherwise emancipated by law and not driving the parents vehicle.

No, Your homeowners insurance does not cover vehicle damage. That's what auto insurance is for.

If a Homeowners dog bites a child and tears their lip open causing multiple surgeries what is the insurance liability to pay medical bills liability or compensation?

The person providing access to a vehicle should provide coverage for all persons they allow to operate their vehicle. Should you provide access and fail to provide coverage you can be held personally liable for any damage the child does. If the child somehow obtains the vehicle on his own then liability may fall to the legal gaurdians depending on the circumstances of legal gaurdianship and control.

You should carry insurance on your children until they are old enough to get insurance on their own. This is usually when your child graduates college. As long as your child is a full-time student and one of your dependents, then you should be able to carry insurance on them.

To become licensed child care center, you are required to have commercial liability insurance. However if becoming licensed is not your goal, commercial liability insurance is not necessary. You should consider increase your home owners insurance to protect you in the event of accident. Most insurance companies will provide you additional coverage for people wanting to do a start a home based day care.

The obvious answer would be NO, why would you have to carry insurance on a child that is now considered an adult.

Yes, if the child is claimed as a dependent for tax purposes.

If the vehicle is titled to the parents then little chance of removing liability from mom and dad. If child is titled owner, and has their own auto policy then very likely the parent's can separate their own liability.

No. Homeowners insurance only covers physical damage to the home and contents and liability risks.

Insurance is issued on the vehicle, not the driver. If your child, properly licensed, is driving with you in the front passenger seat, the vehicle and its passengers are covered.

It depends on the State in which the vehicle is registered and insured. A Named Non Owner cover only liability: Bodily Injury and Property Damage to a third party. I believe the parents would need to purchasea policy with Comprehensive, Collision and Medical Payments in addition to the NNO policy. Simply call your Insurance Agent and find out! Good Luck!

If the child drives any of your vehicles, yes. If the vehicle is in the child's name, no.

Yes, buy a cheap car that you only need to have Liability Insurance on. It is Collision Insurance that will cost you allot. Of course you are taking a chance if the driver wrecks the car and it is the driver's fault. But by only having Liability you save plenty on insurance.

Liability insurance usually follows the vehicle not the driver. (unless the driver was specificly excluded in this case it cant happen because he's your son). As long as the car was insured and he was given premission to drive it, the insurance will be valid in court * Not necessarily. Insurance coverage varies greatly when it pertains to minors living in the household of the insured. If one is lucky enough for it to apply you may be certain that premiums will significantly increase.

There are many types of car insurance out there. But we will discuss the top three primary types of Car Insurance Coverage in Southwest Florida.Comprehensive CoverageComprehensive coverage with your insurance company pays for losses from certain incidents. Many insurance policies have deductibles for this coverage, meaning you will be responsible for the initial cost of the loss up to the amount of the deductible you have chosen.It may help pay for damage to your car due to incidents besides collisions, including vandalism, certain weather events and accidents with animals.Most car owners purchase this type of auto insurance because it covers a lot of benefits.Liability CoverageAuto liability coverage is mandatory in most states. Drivers are legally required to purchase at least the minimum amount of liability coverage set by state law. Liability coverage has two components:Bodily injury liability may help pay for costs related to another person’s injuries if you cause an accident.How Much Bodily Injury Liability Coverage Should I Carry in Florida?In order to protect yourself against personal liability if you cause a collision involving motor vehicle collision, it is important to consider purchasing Bodily Injury Liability Coverage. Bodily Injury Liability Coverage can be purchased in a variety of different coverage amounts, with the minimum amount being $10,000.00 for anyone’s injury claim. Depending on your need for protection from personal liability and your financial ability to purchase this coverage, it is important to consider purchasing as much Bodily Injury Liability Coverage as you are able. The more in Bodily Injury Liability Coverage that you carry, the less at risk for personal liability you will be.Property damage liability may help pay for damage you cause to another person’s property while driving.How Much Property Damage Liability Coverage Am I Required to Carry in Florida?If you own a motor vehicle in Florida, you are required to carry a minimum of $10,000.00 in Personal Injury Protection Coverage and $10,000.00 in Property Damage Liability Coverage. There are currently no other auto insurance coverage requirements that will protect you in the event you are involved in a motor vehicle collision, however, there are a number of other coverages that you may want to consider purchasing so that you are fully insured if a motor vehicle collision occurs.Personal Injury CoveragePersonal injury protection, or PIP, is only available in some states. Like medical payments coverage, PIP may help pay for your medical expenses and loss of income resulting from a covered accident – for example, child care expenses or lost income.There is still a lot of insurance coverage that is useful for every car owner in Florida such as Medical Payments Coverage, Towing, and Labor Insurance, Gap Insurance, Underinsured Motorist Insurance, and many more.

Once the title is transferred to another person the insurance on that vehicle is null and void. The other party needs to purchase their own insurance. The only exception is if the new owner is your spouse or child who live in your home. Even in the case of an adult child they should have their own insurance policy.

No. Emancipated children have no legal ties to their parents.

Full liability, as the child is still a minor and the parents are responsible; on the other hand, at the age of 17, a teenager cannot legally enter in a contract, so the insurance policy is void and the insurance becomes just as liable.

It depends on the insurance company, but I personally have never known of a company that would allow a parent to continue to carry insurance on a child after that child married, because at that point, you are no longer a 'dependant' of your parents.

Either parent could provide insurance for a child under their auto insurance policy. Alternatively, the child could obtain their own auto insurance policy if either parent is willing to countersign sign the insurance application with the child. As far as liability causation the parent who facilitated the acquisition of the automobile wold have the greater responsibility for resulting damage and liabilities.

Insurance for a child who only has a permitAll drivers are required to carry Financial Responsibility regardless of wether they have a drivers license, a learners permit or even no license at all.Yes, If they is operating the vehicle, they needs Insurance.Technically speaking a permit, license is the same difference. If she has been authorized to operate a motor vehicle by the DMV then they are hence considered a licensed driver even if there is a restriction imposed requiring supervision by another lic. driver as in your case.In all 50 states, if she will be driving it on a regular basis any insurance company requires that she be listed on the policy or if there is a claim they will refuse it. This is per the NHTSA insurance regulators.

Is there any liability to tell a child of a deceased parent?

Possibly. Many insurance companies have a discount if your child is away at school that is 150 or more miles away. This is only if your student does not take the vehicle with them to school. If they do have a vehicle with them at school you need to make sure that the insurance company is notified of the address at school and which vehicle they have at school. Make sure you are honest with the insurance company during this time. If you get the discount be sure that you notify the company if any instance arises where the student wants to take the vehicle to school.

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