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2014-06-27 21:54:21
2014-06-27 21:54:21

The person who took out the policy is the main or policyholder. Any persons added to the policy are considered additionally insured.


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You do not need to be the owner of the vehicle in order to be insured while driving the vehicle. Most states require all drivers of a vehicle to be included in the insurance policy.

An old insurance policy or the insurance company you had it insured with should have it on file.

Auto insurance typically covers the car, not the driver. So, if you have insurance on your vehicle, but you drive another vehicle that doesn't have insurance, you are not protected by your policy if you have an accident in that other vehicle. However, if you have insurance on your vehicle, and you lend it to a driver (from another household) who does not have his or her own insurance, they will be covered by your policy while they are driving your car.

you have to have a car for getting a car insurance No, you can be driving your parents car & be on their policy, therefore you are still insured

not if you are personally insured to drive that vehicle on your own policy

You can drive an insured vehicle if you're not on the policy because when the police pull you over they are looking to see if you have insurance on the car. But to answer the question...NO, it's not legal to drive the insured vehicle if your not on the policy. As always, check with your insurance agent, but anyone driving the auto with the policy owner's permission should be covered. However, ALL licensed drivers residing in the household are supposed to be listed on the policy.

The insured is the person or entity who is covered by the insurance policy. The insurer is the entity (insurance company)that pays to, or on behalf, of the insured for a covered loss. That which is covered by the policy is set forth in the insurance policy.

It depends how old are you and whether or not you are an insured driver under the terms of the terms of your Dad's insurance policy. Your Dad's insurance agent can tell you if you are insured to drive the vehicle.

Insured has thirty (30) days to add new vehicle to commercial auto policy. For auto insurance it is what is on the policy that is covered.

If it's your vehicle then no. You have to add the other vehicle to your policy, otherwise it is not a covered vehicle. If it's a temporary replacement vehicle then coverage may be afforded under your own auto insurance policy.

Yes, there is no bar in the insured person being beneficiary on another insurance policy.

After the named insured dies the vehicle would need to be insured under a new policy in the name of the person who inherited the vehicle. For the short period of time that the vehicle and other property are being probated, the legally appointed administrator or executor would have the ability to add and delete drivers. The death of the insured would need to be reported to the insurance company immediately by the executor and the name on the policy would be changed to Estate of " " with the executor listed as additional insured if approved by the insurance company.

A homeowners insurance policy will cover the interests of the named insured on the policy. It does not matter if the insured is a student or not.

The answer is "it depends." I know of no insurance companies that issue policies "to drive any vehicle" ... automobile insurance, at least in the USA, is based on the car being driven. In that case, the insurance is actually on the automobile, not on the driver. Therefore, an uninsured car would not be insured regardless of the driver. There may be exceptions, depending on the underwriter and the particular policy involved.

No, the vehicle can only have one policy on it, and if it is insured then you wouldn't need to carry any policy (and don't think you can anyway).

First off...there is a HUGE difference between a Quote and an Insurance Policy. A Quote is nothing more that an ESTIMATE for an insurance premium based on the information that you give an agent/insurance company. In regards to an valid insurance policy:A vehicle HAS to be insured the way it is, husband & wife own a vehicle & it is registered in both of their names then the insurance policy should be in both of their names. Some companies allow just one spouse as a named insured but will list the both spouses as 'insured' drivers. Likewise, if a parent buys/obtains an auto loan with a licensed youth(such as a son/daughter) then the vehicle, again, should be registered in both names and both names should appear as the 'insured' on the insurance policy. Remember the 'named insured' on the insurance policy is covered within the limits set forth in the insurance policy.

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.

You may be added to someone else's policy as a driver if you operate their vehicle. You cannot put a vehicle titled in your name on someone elses policy. The vehicle must be insured in the name of the person who owns the policy.

Yes any vehicle operated in Tennessee must be insured under a liability policy.

Yes, if the insured is also the policy owner.

not stays with the other words, unless you or ''other drivers'' are excluded from a vehicle policy, whomever drives that vehicle WITH PERMISSION is an ''insured driver'' of that vehicle.

Double indemnity can be added to an insurance policy to allow the insured to receive a higher benefit.

As long as she has her own policy on her own, it would not affect your insurance in the sense of premium or the need to have her insured on your policy. However, most auto insurance company want to have her listed as a driver in the household since she lives with you. The policy actually follow the vehicle and not the driver. If she was to drive this vehicle and get into an accident, your policy would be the primary and her policy would be secondary.

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