Is there anyway to locate whether a company carries liability insurance if they do not disclose it?
Call your local Inter Company Arbitration Assocition and ask to speak to the manager. If you give them the company name they may be able to tell you based on their experience.
Can you sign a waiver stating that your auto insurance will be responsible for you while you are a passenger in a company vehicle and do you need the permission of your insurance company to do that?
It depends on how much coverage you need, what kind of liability (General Liability? Employer's Liability? Auto Liability? Professional Liability?...) & what deductibles, if any, your claims experience, your work experience, who the insurance company is and the way their coverage forms read, their overall claims experience for companies like yours, and where you are located & operate. Your insurance agent can help you with specific quotes. Please note that in general, insurance is always…
I'm not certain that it's actually legally required. However, even if it's not mandated, if you don't have liability insurance anyone can accuse you of breaking whatever and whether you did it or not, you're going to be the one dealing with it, including shelling out for legal fees and possibly paying for it if you lose the case. If you do have liability insurance, the insurance company will be taking care of a lot…
If your car is declared totaled do you still have car insurance The insurance company has not paid yet.?
First the suit will not be filed against the insurance company but against you as the homeowner. Your insurance company will come in and protect you from the suit. This is covered under your liability section of the insurance policy. Your coverage includes legal fees in addition to the amount of coverage on your liability section.