Were they a named insured in the Household? By most companies, if you are rated in the household, you may drive any vehicle in HH. Yes, coverage should still apply to the vehicle however I would try to get the title of the car changed out of the name of the deceased party's name as soon as possible.
Insurance follows the car, not the driver. As long as the car is insured and you have permission from the owner to drive it, you are covered.
The at fault driver always has the primary liability for the damages they cause in an accident. (The guy who rams the other guy).
It depends on which company your uncle is insured with, but typically with a standard insurance company you have to live in the household to be a listed driver on the policy. This is regardless of your relationship to the primary insured. If you are not listed on the policy as I driver you are still insured to drive his vehicles as long as you have permissive use.
The Owners Vehicle Policy offers primary first pay coverage. Any policy carried by the driver would invoke as secondary coverage.
The definition of a primary driver is the main person who drives a vehicle. Other people who sometimes drive are secondary or part time drivers.
P.S. The insured driver is found at-fault with witnesses. The uninsured driver is worried if his license will be suspended or facing any penalty for driving the his parent's INSURED car.
No direct answer, as this all depends of the level of cover of the insured driver.
As far as states go I know in Utah it is the vehicle not the driver that is insured.
Usually the insurance policy of the owner of the car is primary and then if the driver of the car has a policy of their own then it is secondary.
They'll go after the car's owner first. IF the driver has an insured vehicle, it would be secondary.
Only if the truck driver was at fault.
the owner of the car with insurance will be responsible
The extra driver needs to be added onto the insurance policy. Having someone drive a vehicle and not having them on the policy can be a large problem if an accident were to happen.
Yes, All drivers in all 50 states are required to provide proof of financial responsibility when operating a motor vehicle on public roads. Whether you are a primary or secondary driver is not pertinent.
If the uninsured driver had the permission of the insured driver to operate the vehicle then NOTHING will happen to the uninsured driver. In fact, in this case he or she is not an uninsured driver at all. The insurance follows the vehicle first, the driver second.
A non insured driver may be held liable for the accident. Insurance is a requirement in the majority of states.
Proably not, except of course you need to get insurance, luckily this one wasn't your fault
Insurance follows the car, not the driver. So as long as the automobile is insured, so is the driver. Just make sure the driver has a valid driver's license.
Depends on what state you're in.
The insured drivers uninsured motorist coverage should take care of it. Doesn't matter if property is private or not.
It is more likely you will be sued by the insured driver's insurance company. Just because the other driver had insurance, that does not exonerate you from having to pay damages if you are liable.
Generally No, even if they died in the car. It's the person in control of the car, that must be insured. So stuffing the Primary Policy-holder in the trunk, is not going to cut it with the Patrol Officer, who's just pulled you over for something. However, if you are named as a co-driver or second driver on that policy, then you should be covered. I would strongly advise you, to read the Terms and Conditions of the Policy, as you may have a reduced level of cover, possibly only the Statutory Minimum required.
no, in most states you are supposed to be insured on any vehicle at the residence you live at. parents, roomates even. if you drive your grandmothers or significant other's car all the time or even as the primary driver but don't live with that person, you should still be insured.