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You have to list the drivers covered to drive your car on the policy. If not he is not covered.

2006-07-28 00:35:51
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Can you exclude your spouse from your auto insurance in Ohio if their license is suspended?

You can definitely exclude your spouse from your auto insurance. They shouldn't be driving if their license is suspended so they don't need insurance.

What can you do if your rates jump because of your child who will not be driving your car again?

Well if your child made rates jump due to an accident, you need to change insurance companies and exclude that child from the policy.

How do you get auto insurance for the first time when other drivers in your home don't have insurance and you don't want to put them under your policy?

Easy, you just buy an auto insurance policy and exclude the other residents from coverage by use of form 515A. Be aware though that if any of these excluded drivers are involved in an accident while operating your vehicle, The accident and any resulting damage will not be covered under a policy from which they are excluded.

Is teenage pregnancy covered under the parents health insurance policy?

Assuming the teen is covered under the policy before she gets pregnant and the plan does not exclude pregnancy for all then yes.

Use the word exclude in a sentence?

EXCLUDE : omit or leave out (often uses "from")Example: "You should not exclude the driver's name from the accident report."

Is mold in basement covered by insurance?

Probably not unless you have a special Mold and Fungi coverage endorsement that you purchased along with your home insurance policy. Almost all home insurance policies these days exclude coverage for Mold and fungi.

Can a step parent exclude a biological parent from medical insurance access?

Can a step parent exclude a biological parent from medical insurance access?

How do you get someone off your auto insurance if they where listed as your spouse?

Usually a written request will be sufficient if they are no longer living in the same house and will not be driving the vehicle. You also have the option to exclude a driver from your policy but only do so if you are certain they will never drive the car again. If an excluded driver is involved in an accident your insurance company will deny all coverage.

Will homeowners insurance cover damage to ATVs?

It depends on your policy perils and exclusions. Generally home owners policies exclude motorized vehicles. ATVs usually have their own insurance policies if you want to get them covered.

Do you have to add live in boyfriend to car insurance if not driving but licensed?

Most policies state that you have to notify them of all household members and drivers of the vehicle. This is something that you have agreed to do in the insurance contract. Many insurance companies will allow you to exclude the person from your insurance policy if they absolutely do not drive the vehicle. When you sign an exclusion you are agreeing that not only does the person never drive your vehicle but also that if this person does drive for any reason there is no coverage under the policy while he is driving. If you get sick and cannot drive but your boyfriend does and has a wreck they pay nothing. In order for a person to be covered they must be listed on the policy and any premium for them must be paid. Doesn't that sound fair. They are covered only if you pay for them to be covered.

Can people get car insurance if a spouse's license is suspended?

Yes, You can still get auto Insurance on your own.. It is common for people to exclude an unlicensed spouse from from coverage on their Auto insurance Policy. This way you don't get penalized for your spouses driving record.

Dog ate your hearing aid is it covered under your renters insurance policy?

Doubtful. Most policies exclude damage from domestic animals. Consult your policy or with your agent.

In an auto accident in California do you bill your auto insurance as the primary insurance or your health insurance?

If you have both medical insurance and auto insurance, the primary company billed will depend on the situation. If your injuries and medical costs were caused by an auto accident and you carry Medical Payments coverage, you will bill your auto insurance provider. If you do not carry Med Pay insurance coverage, as it is optional in the state of California, the circumstances will depend on who is deemed at fault for the accident. If the other party is at fault, you will bill their insurance company and will advise your claims adjuster as well. If you are deemed at fault and do not carry Med Pay, the only insurance you can bill is your medical insurance provider. Be sure your medical insurance provider does not exclude injuries caused in an automobile accident before approving chiropractic care.

What does exclude mean in medical coding?

it means not covered by the policy

Whose insurance pays if you are borrowing another's car and are in an accident?

Read your policy. If the policy says that anyone driving your car with your permission is an insured, then the company that insures that car pays. Many policies exclude certain drivers, so it is not a one size fits all answer. The insurance for the car will pay, not the driver. Sadly, you are not required to pay anything, but if you are a responsible person, then you will....especially if it was your fault.

You are not under your fathers insurance but you got pulled over for speeding and received 4 points does the insurance go up?

Any time you have an accident or ticket on your record, insurance companies will sur-charge you for it. Since your not under your fathers policy, it will not effect it. Keep in mind that you MUST disclose all information to the insurance company. This includes all drivers that primarily reside at the resident. All drivers must be dis-closed, at this point and time you can either include drivers in the policy, or exclude them where they are not covered in the policy.

Does Liability insurance protect a homeowner against natural disasters?

Depends on who carrier is for your homeowners-many acts of God are covered but some do exclude flood/earthquake unless you pay for the extra coverage.

What belongings are covered by home content insurance?

All personal belongings are usually covered by home content insurance. If you have something very valuable then it would always be sensible to get separate coverage for that item. Always make sure to read the fine print of your home content policy as some companies might exclude certain items.

If you have pre-existing water leakage from your toilet in your condo and it has ruined the ceiling of the person belowIf you get condo insurance now will it be covered since its already a pre-existin?

Homeowners Insurance Policies always exclude preexisting un-repaired damage.

Can you collect insurance benefits if your spouse commits suicide?

Generally, insurance policies exclude suicide. Check with your insurance company, as they are all different.

Does life insurance covers suicide?

It depends on the policy. It's fairly common for a policy to exclude death by suicide for the first couple of years, but after that it's normally covered the same as any other death.

Does an employer in Texas have to provide workmen's compensation insurance for an employee if that person has their own private insurance?

Texas is the only state were an employee does not have to have workers' comp insurance. Instead they can have a private accident insurance plan. But they must have one or the other. AN employer can exclude contract employees from coverage under their plan (at least in Texas). I forget the exact number, but I know if an employer is a small company, I think it may be under 15, then they don't have to have workers comp or an accident plan.

Does homeowners insurance cover trampolines?

Typically Trampolines and resulting injuries are not covered under your homeowners insurance policies. Most companies automatically exclude coverage for damages and injuries arising from the ownership of a trampoline. Most companies will also schedule your home insurance policy for cancellation if they discover that a trampoline is located on the property.

Would damage due to bad gasoline be covered by auto insurance?

No, most policies exclude "mechanical breakdown" regardless of "any other cause or event that contributes concurrently or in any sequence" tot he loss.

Do you have to have your spouse on your auto insurance?

Yes, by law you are suppose to disclose all drivers in the household. If you don't it could be considered fraud. They could even deny a claim down the road, if your spouse was driving and got into an accident. What it breaks down to, is you must disclose all drivers in the household or regular operators. At that point you can either include drivers or exclude them. Mark