Commercial vehicle Insurance with "For Hire" coverage. Basically the same type of coverage a Taxi Cab would need.
When you arrange for auto insurance, you have a number of options for the type of coverage you want. Collision repair is one of those options. If the vehicle is financed, collision and comprehensive coverage are required. If coverage exists, refer to the policy for details. www.insurance.com
you need to have Comprehensive coverage on your policy.
there really is no such thing as 'full coverage', i know many people have heard and said this, if you have 'comprehensive' coverage on your vehicle that is the coverage that applies to this type of loss........
No, auto insurance does not offer this type of coverage. You generally have the option of purchasing this coverage from the auto dealer when you finance the automobile. Sometimes you may be able to purchase it if you are a member of a credit union or such. You might even call the finance company who financed the vehicle and see if it's possible to add it if that is your desire. Read the terms as these coverage are often times overpriced and have lots of small print.
There are a number of factors to consider when looking at auto insurance. Some things one should know are the different coverage types, the type of vehicle you drive affects premiums, who you are affects the premium, the amount of coverage that is needed and ways you can reduce your premiums.
The age of exploration was primarily financed by taxes imposed on the citizens of European countries. There were also private individuals that banded together to put up the funds needed for this type of exploration.
I have found that it's cheapest to buy that type of coverage from your insurance policy. Some offer this type of coverage and some do not. Shop around.
Comprehensive is a type of coverage you can add to an automobile policy. Comprehensive coverage is a physical damage coverage that includes damage to your vehicle that is not included in collision coverage. Collision coverage is damage done when you hit something or turn the vehicle over. Comprehensive includes fire, theft, vandalism, and animal collision. You can have comprehensive without collision but not collision without comprehensive.
As insurance laws vary from state to state I recommend you check your state law to make sure the information given here applies to your state. I am assuming that when you say camper you mean a camper that is pulled by another vehicle and not a motor home. If the camper is not self-propelled you would have no need for liability insurance as this coverage would extend from vehicle towing it. As it costs a great deal to develop any type of policy, insurance companies are not going to go through the expense for a policy that is not needed. If the camper happens to be a motor home there are policies that you can purchase for a motor home and you can select the type of coverage you want just as with an automobile. Remember that any item that is financed, whether it is a camper, vehicle, home, etc. most likely includes a requirement to carry physical damage coverage in the contract you signed with the bank or finance company. Violation of this contract will result in them repossessing the item financed. For full disclosure, I own and operate a small Independent Insurance Agency in Georgia and have for the past 22 years. I also worked for a direct writer for the 3 years before that.
The registration of the vehicle has really nothing to do with the insurance. If you have valid insurance at the time of the accident, then you will have coverage for the type of coverages on your policy. If you only had liability, then the other parties vehicle will be covered as well as injuries of the other party. Your car will not be fixed under liability, you have to have physical damage coverage for your vehicle to be repaired.
Name and type of vehicle as well as what condition it is in. An inventory of the parts utilized in the vehicle and whether or not they are after market.
The Financial Responsibility Laws of most states require that you do. You need to obtain "non-owner's coverage" which provides coverage regardless of the vehicle that you are driving. This may also have to be in the nature of an SR-22 which is a special type of high-risk liability coverage.
What type of vehicle? What type of engine? More information is needed.
since other (or negligent party) vehicle is 'unknown' then the collision coverage on the damaged vehicle will be the policy to fix this car.....(yes you will have some type of deductible)....homeowners policys typcially exclude everything about auto...
This is coverage that would provide insurance to pay for damage to a vehicle for a vehicle that you rent or use for some reason. This is often an endorsement that you have added to your policy in order to provide this type of coverage. Normally it is done on a commercial policy. The normal endorsement in a commercial setting is called "hired and non-owned coverage" endorsement. The endorsement provides coverage for a rental car or in a situation like if your secretary runs an errand for you and has an accident of some kind. This would provide coverage for the named insured only and not as primary coverage for the other party. The person who owns the car will provide the primary coverage but the endorsement will be secondary.
pensketruckrental.com offers a wide selection of car carriers, and they can help you decide which one is right for your vehicle. They also offer damage coverage in case of accidental damage to your vehicle.
Your vehicle type, all information about any drivers, coverage types and your current policy information.
If she does not own a vehicle nor drive one then she would not really need coverage. If she drove someone else's vehicle then the owner would have to have coverage with the driver listed on the policy as a driver along with any others who may drive the vehicle. If she rents a vehicle when she needs one then she would just need to purchase the physical damage deductible waiver coverage that you can purchase from the rental car company. There is also a non-owner policy that is normally purchased really just to make the DMV happy and to keep your drivers license in compliance. The non-owner policy is a liability policy that can also have uninsured motorist coverage added to it. You cannot have physical damage coverage on a non-owner policy. Sometimes people think this type of policy will cover any vehicle that they drive so if they damage a friend car it will cover it. That is not what it is for.
If your client has his or her employees deliver food, whether in a company-owned vehicle or in the employee's personal vehicle, they have an Owned, Hired & Non-Owned coverage exposure. This coverage should be considered a "must have" for your client's protection. SISI offers a competitive program designed to provide Owned, Hired & Non-Owned auto coverage for the hard-to-place risks that the standard markets exclude. We can provide coverage on any type of fast food or other restaurant delivery, as long as there are no time guarantees.
This is a type of auto liability coverage that can be purchased when the buyer does not own an automobile. While auto liability insurance is typically said to "follow the car", meaning that it correlates with a particular vehicle, non-owner's coverage "follows the driver". In that sense, it covers the driver irrespective of the vehicle he/she is driving.
In nearly every state in the U.S., drivers are required by law to carry auto insurance, which makes comparing different insurance policies a smart move. Even if your state does not legally require that you maintain auto insurance on your vehicle, carrying at least a minimum amount of coverage is important. After all, if you are involved in an accident, you do not want to get "stuck" paying for the damages that you cause, or that the other driver causes.Comparing Insurance CoverageThere are six general types of coverage that you should consider when comparing auto insurance policies. Not all drivers need or want each of these types of coverage. When selecting the limits for these coverage types, you will need to determine how much, if any, liability you wish to assume if you are involved in an accident. You will also want to decide if you want to pay a deductible (out of pocket) for repairs or medical expenses that result from any accident that you are involved in. The limits that you select when choosing your policy and the size of the deductible that you choose will affect the cost of your policy. Choose from:Bodily injury. Bodily injury coverage covers the personal injury and property damage caused by you during an accident. For example, passengers in your vehicle are injured while you are driving. This coverage covers their medical expenses.Collision. Collision coverage, as the name implies, covers the cost of repairing your vehicle if you are involved in a collision, and in some instances, will repair the other driver's vehicle if you caused the accident.Comprehensive. Comprehensive coverage will pay for repairs when your vehicle is damaged and the damage is not your fault. This protection will pay for damages from vandalism, fire, theft, and natural disasters.Personal injury protection. This type of coverage is also referred to as PIP. This coverage is recommended in no-fault states. In no-fault states, your PIP coverage would pay your medical expenses and the other driver's policy will cover his expenses, regardless of who is at fault.Personal property liability. Personal property liability coverage takes care of personal property that is damaged as a result of an accident. For example, you crash your car into a fence and this type of coverage pays the owner of the fence for the damage.Uninsured or underinsured motorist. This type of coverage protects you when your car is involved in an accident with an uninsured or underinsured motorist.When choosing the policy that is right for you, you will need to choose which of these coverage types you need, based on your driving habits, the age and value of the vehicle that you are insuring, and your personal tolerance for risk. Some drivers opt to carry only the legal minimum amount of required insurance on their vehicles, especially if the vehicle is old or worth very little. If your vehicle is financed or leased, you may need to carry more insurance on it than if you own the vehicle outright. By comparing different policies, you will be able to determine the type, level and amount of coverage that you need.
A personal Non owners insurance policy is only recommended for licensed drivers who do not own a vehicle and do not have regular access to a vehicle. Non Owners Insurance does not cover owned but non-registered vehicles. Non Owners coverage forms are designed to provide a level of security when operating a non owned vehicle. One may not always know if the owner of a loaned vehicle has appropriate coverage. Many a well intentioned driver have found out only after receiving a citation that the vehicle they were operating was uninsured. The policy can also provide additional coverage if one prefers a higher level of protection.This type of coverage is generally limited in it's scope of coverage and provides no comprehensive or collision coverage for damage to the non owned vehicle being operated. The coverage also will generally not extend to the operation of vehicles owned by family members and household residents due to the access restriction. This personal lines coverage will also not extend to the use or operation of commercial or other employer provided business vehicles nor any vehicle for hire. Personal Non Owners is considered secondary or excess coverage to an insurance policy provided by the vehicles owner and will only act as primary coverage in the absense of any other.Non Owners coverage forms are designed to provide an additional level of security in today's busy world when operating a non owned vehicle.
Collision coverage pays to repair or replace your vehicle if you are determined to be 'at-fault' (you caused the accident). Typically, a deductible (amount you pay out of pocket) applies to this type of coverage. The most common deductibles are $500 to $1000, but can be lower or higher. Comprehensive (also known as "Other Than Collision") coverage is usually included on policies with Collision coverage. It covers theft, vandalism, flooding, fire, animal damage, glass damage (not caused by a collision) and severe weather damage (hail, wind, tornado, hurricane, etc). If a vehicle is financed, both of these coverages are considered mandatory to protect the lender. Collision claims will usually cause your insurance rate to increase at your next renewal. Most insurers don't penalize you for Comprehensive claims because they weren't caused by your negligence.