The terms of your auto insurance contract or policy between you and your insurer specifically require that you disclose and schedule all household drivers and all regular drivers of your vehicle on your policy. You are also required to notify your Insurer of any change in household drivers during the policy term such as when a teen begins to drive. This allows the insurance company to properly access the risk and assign the appropriate premium required to cover those risk.
Your policy states that all the those others are covered as an added protection for the policy holder. It is not unusual for circumstances to arise when you may give permission for a non scheduled driver to operate your vehicle whether they are a visiting non resident family member or other friends.
As an example, Your Uncle Joe comes to visit and you loan him your car for the day to go to the local ballpark. With Permissive use Uncle Joe is covered under your policy. Now if Uncle Joe decides to stay for good and takes up residence with you then things change. As a household member with access to your vehicle you are required to schedule him as a covered driver or exclude him from the policy.
When a vehicle owner loans his vehicle to another party he is accepting any liabilities jointly and severally that the permitted driver incurs.
So the language is not designed to allow the concealment of high risk teen drivers. Such concealment or non-disclosure of a known driver is considered a well known form of Insurance Fraud and can Void all policy coverages. The insurer through this language is trying to give you the broadest coverage possible. All they are asking is that you be honest about who's driving and cover them accordingly.
Because teens are more likely to have accidents. Since they increase the risk, insurance carriers increase their premium.
That's not true for all teens, of course, but the statistics about the driving habits of teens don't lie.
Want to reduce a teen driver's rates on your policy? Send him or her through driving school. Better yet, exclude him or her from your policy, and make the teen buy his or her own insurance. Bet your teen driver will be more careful, then (and with the job your teen gets to pay for insurance, you'll have the house to yourself more often).
There is no such policy. All auto insurance contracts require disclosure and scheduling of all drivers for coverage.
Yes, anyone that drives or owns a vehicle.
Depends on your insurance, I am coming to that situation myself. I plan on calling my insurance agent
Yes, anyone that drives a car needs to be insured
Yes, if she has not been previously excluded in writing. If she is going to be a regular operator of the vehicle then she needs to be listed as an operator on the policy. An automobile insurance policy coveres named insured, family and anyone who with PERMISSION drives the vehicle.
Anyone who drives a truck must at least hold a liability insurance policy to cover injuries and damages. Additional policies are not required, but can be beneficial to the driver.
it covers anyone who drives your car with your permission...
It will depend on the policy, but most policies are legally bound to insure anyone that drives an insured car (as the policy covers both you and your car).
if you have a drivers liscense then you can get a policy and usually anyone who drives you vehicle is covered. If you do not have a drivers liscense then you will have to look around for insurance companies that will write a new policy pertaining to your guidelines that's not very easy. Good luck
If someone without a valid drivers license and without car insurance drives a car that is covered by car insurance, does that insurance pay for that uninsured driver if they have a accident?
If everyone was legal, yes, a collision should be covered by the insurance company.
Generally speaking, just you. In the U.S. in most states, your insurance covers anyone who drives the car (in the insurance business, there is a saying, "When you loan your car, you also loan your insurance). However, if there is someone who regularly drives your car besides you, you may want to have them listed as a driver.
Full coverage or not the answer is usually yes unless that person is specifically exclued by name from that policy. The person has to have permission or implied permission to be using the vehicle from the owner.
I could be wrong, but I would think the motorcycle dealership would have insurance for their vehicles that would have it covered for things like test drives.
Yes, if a lot of people drive the vehicle, you need insurance to cover everyone who drives it. Although typically the insurance goes with the person, so as long as your people are covered, the vehicle is.
In most cases, as long as the policy owner give permission, then the policy will cover anyone who drives the car. There are exception for those who are specifically restricted by the policy to drive the vehicle.
This all depends on your insurance. your insurance policy may cover anyone that drives your car and that would mean then yes he can drive it. But you better check with your insurance company.
In most states, anyone who drives a car needs to be listed on the insurance. If an accident were to occur then the husband could be liable for allowing the car to be driven without insurance.
Only if he as a multiple driver policy. If not, then no, you would not be covered in the event of an accident. He could add you to his policy- just call the insurance company with the details. Not unless she is listed as atleast an occasional operator on his insurance policy.
He has no coverage. Unless the minor gets insurance elsewhere. He would likely be covered as a permissive driver of the friend's car, under the friend's policy.
Before a driver drives a motorcycle, they need to have motorcycle insurance.
Most insurance companies cover a minor with a learners permit under the parents insurance because the minor drives while the parent is present. In the state of CO,CA, and WA. Your covered under your parents. Some states may have different laws, but I doubt it. Please check with your parents insurance company.
Insurance usually follows the car so no matter who drives it, claims will be covered, unless the person driving it is specifically excluded from the policies. But just to be sure, the best course of action would be to contact the car insurance companies directly.