0
Not necessarily. Vehicles must be listed on the policy and a premium paid for the coverages desired. Some companies give a certain number of days coverage when you purchase a new vehicle and some do not provide coverage until you notify them to add the new vehicle to the policy.
Wiki User
∙ 12y ago
Add your answer:
Earn +20 pts
Does liability insurance fullfill coverage law on any car owned even if its not listed on the card?
Liability Insurance on a personal policy does not cover all vehicles owned. It covers all vehicles listed on the policy. If your state requires you to have liability insurance cards for each vehicle then a card will be given to you for each listed vehicle. In Georgia the State requires that each insurance company electronically transmit to the State Department of Motor Vehicles issuance and cancellation of all vehicles for required insurance. The Officer can take the tag number and verify that it has insurance on it that day. It works much better that I thought it would.
What is broad form auto insurance?
A Broad Form covers the named insured to drive any owned or non owned vehicles (subject to restrictions). For liability insurance, be it one or twenty cars - it's the same price.
Hired auto and non owned auto liability?
Hired auto and non-owned auto liability is a type of auto insurance that covers property damage and bodily damage caused by an automobile that you hire or rent. It can include borrowed vehicles. The insurance typically does not cover physical damage to the auto itself.
Does drive other car coverage offer personal liability to driver of company vehicle?
No. Your personal auto Insurance Policy provides NO coverage for Company owned or commercial vehicles.
Will a home be covered by insurance if it is not owned by the occupant?
If you have renter's insurance (if renting) or business insurance (if owned by a business), then yes, it's covered. Note: Renter's insurance only covers your property. The home itself should be insured by the owner.
Are you covered on a family member's car insurance?
Yes you are covered on a family members car insurance if you are driving a vehicle owned and insured by them.....
Can homeowners' insurance cover a home owned by two ladies?
Yes. If it is a home and it is owned by someone, then it is covered by homeowners' insurance, regardless of who that someone is.
What kind of insurance coverage can we get for a borrowed vehicle that doesn't have any insurance on it because the owner doesn't drive it. We have insurance coverage on our vehicles?
Some insurance companies like Progressive will cover a non-owned vehicle meaning a vehicle in which you have no legal or financial interest. Check around if your insurance company does not provide coverage to non-owned vehicles.
Corporate Fleet Insurance?
form_title=Corporate Fleet Insurance form_header=Whether you lease or own your vehicles, get the fleet insurance policy specifically tailored to your needs. Total number of fleet vehicles under lease:=_ Total number of fleet vehicles owned:=_ Type of business:=_
Will your insurance cover hail damage before you owned your car?
Existing damage is never covered.
What does commercial auto cover?
Commercial Auto Coverage is insurance that covers vehicles owned and operated for business use. A fleet of company cars, service trucks, etc. Personal Auto Coverage is insurance that covers vehicles for individuals and families.
What types of insurance do you need to deliver restaurant-prepared food to private residences?
The correct answer is that you need the following: 1. Owned commercial auto coverage (if you are using your own "restaurant owners" vehicle(s) to deliver your products). You need auto insurance on those auto(s). Be careful as to the distinction between the owner's personal auto and that of the actual business, since they can be two different things. An owner's personal auto that is not registered to the business generally is not considered a commercial auto and certainly would not be automatically covered by a carrier for food delivery. If the vehicle(s) are registered to the business, make sure there is liability insurance at a minimum (at least $500,000 limit CSL; preferably $1 mil limit). Secondly, the next type of auto liability insurance to consider is "Non-Owned" and "Hired Auto Liability". Non-Owned Auto protects the business owner from liability claims associated with auto accidents from vehicles that the business "does not own", hence, the term "Non-Owned". These are vehicles that aren't owned by the business, but employees use for the businesses' benefit (as an agent of theirs). There is special non-owned auto coverage available for food delivery. Hired Auto covers an exposure similar to "owned" auto, but for vehicles that are temporarily rented. None of the auto coverages mentioned herein are automatically covered and must be underwritten carefully before coverage is bound. 2. The other insurance you will need is workers compensation on any employee that is involved in delivering the food. If this is a common practice, the workers compensation carrier will need to know this exposure. 3. Commonly overlooked, but another risk exposure related to food delivery is the product liability itself for the food you are delivering. Food that is released from the care, custody and control of the restaurant takes on a different set of standards, since the food can be left out to spoil, get contaminated, or host to various risk exposures that may be better controlled by a larger staff and procedures. The liability policy should also cover premises and completed operations, in case there is an accident related to the delivery (such as tripping over power cords, inadvertently causing an off-premises fire, spilling hot water on someone, etc). These are the basics related to food delivery, however, many more risk exposures exist for a restaurant in general such as EPL, property coverage and bonds. == == == == Liability Insurance on vehicle, since you are not responsible for the food or it's preparation.
