Most likely yes, but what do you want to be covered for? Unless you made a material misrepresentation about how you would be using your vehicle to your insurance company. In my occupation I make house calls and as such I have a business use classification on my personal insurance policy so that there are no misrepresentation issues if an accident happens in route to a clients home or office. Yes, there is additional premium for a business use class but it sure beats a claim being denied. Consult your insurance agent to verify whether a business use class would be appropriate for your particular situation.
If you were driving someone elses vehicle and involved in an accident whether it be fatal or not then the person who owns the vehicle should have insurance on it and then the accident would be covered on that policy but if it goes over the amount that they have then its possible for yours to kick in and pay any extra.
If your insurance policy has permissive use then another driver would be covered in your vehicle if they had an accident. I don't know about other states but in California they should not be living with you and they can not be excluded from your policy. One more thing, they MUST have a valid license.
It will definetely be covered if the person had a drivers license and insurance on their own vehicle...but it should be covered as long as their vehicle was sitting when your vehicle was wrecked...but also since you were in the vehicle at the time of the accident it should be covered as long as they had a license
Yes, If you allowed your car to be driven by another while it was uninsured you can lose your drivers license and the other party can "Sue" both the Driver and You the owner jointly or separately for full compensation for any and all damages. As the owner of the vehicle it is your responsibility to ensure your vehicle is covered regardless of who is driving it. You, the "Owner" are equally "Liable" under the law with the driver you allowed to operate the vehicle. If the vehicle was stolen you can file a police theft report and you would not be held liable for the accident.
Firstly,, If you are temporarily and unknowinlgly driving an uninsured non-owned vehicle and you do have liability insurance on your own vehicle, Then in Most cases that liability insurance from you own vehicle will follow you to the temporary vehicle as secondary coverage, so the accident may be covered under that policy. If No insurance exists to cover the vehicle then you can be subject to traffic fines for driving without financial responsibility, Impound of the driven vehicle, Possible arrest at the scene of the accident, Possible jail time, A Civil Suit may be filed against you by the claimant, Suspension of drivers license for up to 10 years or until such time as you have paid for the damages reulting from the accident. Once you have satisfied the associated losses from the accident you may also be required to maintain an SR22 Insurance filing to re-acquire your driving priveledges.
In the UK it is true to say that the majority of motor vehicle collisions are caused by "improper driving". However - improper driving needs to be defined a little more. Really the truth is RTA's are caused by "driving errors" - whether this be due to a lapse of concentration, a disregard for the rules of the road, a lack of knowledge of the Highways Code, etc. To decide who is at fault, has made a driving error or is driving improperly can be a complicated legal process depending on the type of vehicle involved in a road accident, the road conditions and the evidence available as to how the accident happened. See the related link entitled "motorbike accident claims" to see how to show fault in a motorcycle accident and "car accident" to see how to claim compensation and prove liability in a car accident.Added: Add INATTENTION to driving, to the above answer and I would agree 100%.
Being named as an excluded driver means that you are not covered as the driver, and are not allowed to drive that vehicle. It doesn't mean that you can't be a passenger in the vehicle. If you were a passenger and were injured your injuries should still be covered under the insurance (whether or not the driver was your employer). If you were working at the time you may be eligible for workers compensation, also, but at the least your injuries should be covered.
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What is 8 divided by 2(2 plus 2)?
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