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What type of insurance coverage is required on a home when the owner has died and the home has not been sold?
Wiki User
∙ 17y ago
Is the prior home policy still active? Is there personal property still there? Is the home on the market? Best bet is to either leave it as status quo or call the agent and talk it over to find out what is best.
Wiki User
∙ 17y ago
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How do you find out if a previous owner was paying for flood insurance on property?
You could Ask Them, But bear in mind that any coverage carried by the previous owner would only have been for the protection of the then named insured. No coverage or rights are inherited by the new owner from the old owners insurance.
Will home owner's insurance cover the cost of your house if it is condemned?
No, Homeowners insurance does not provide coverage for maintenance or lack thereof. If the home has been condemned then it is no longer insurable.
Do I need to insure my car if I have drivers insurance?
It is uncertain what you mean by "driver's insurance". There is a kind of liability insurance called "non-owners coverage" that is often required under a state's Financial Responsibility Law when an individual has been in an at-fault collision, did not have the required liability coverage and when the other party's damages exceeded a stated amount, or when an injury occurs. It is also sometimes required when a judgment is entered against an individual for an auto collision and the judgment remains unsatisfied. Non-owners coverage generally will "follow the driver" irrespective of the vehicle that he or she is driving. Non-owners coverage provides no coverage for the vehicle itself such as for its repair or replacement in the event of a collision.
How does full coverage insurance pay offs work?
Full coverage insurance will help you get your car fixed after it has been wrecked. You can also get a new car if it has been completely totaled.
How do i go about getting my totaled and financed car covered by an insurance company that let me get a policy with no collision?
The insurance company would not have required you to get insurance coverage, as it is an optional coverage from the insurer's standpoint. The bigger issue is that the company through which you financed the car would have required collision coverage because it was interested in protecting the value of the collateral. Therefore, it may have obtained "forced-placed" collision coverage on the car and charged the premium to you (through your car payment). If that was done, you would normally have rec'd notice of it and been given a chance to get collision coverage and produce proof of it. Furthermore, collision coverage would have to have been in force at the time of the collision; it would not be retroactively applied to cover the loss.
Can insurance companies claim lapse of coverage in a situation where a purchase of home is thru a relative who maintains their coverage on the home until move in of the relative who purchased the home?
Yes. The previous owners insurance policy coverage does Not pass through to a new owner. You can not ride off the previous owners insurance policy.If all you had was the previous owners insurance policy, Then you had no insurance at all. You and your property were effectively uninsured. If a loss occurred, payment would be denied based on the fact the the named insured (previous owner) no longer has an ownership interest in the property and the new owner never contracted for an insurance policy. The old policy does not belong to you as a new owner.The previous owners policy was a contract specific to that named owner and his or her owned property with the insurance company and was between them. Once they sell, it is no longer their property. A new owner is not a named insured under the terms of the previous owners policy. The previous owner being a relative does not change this..When a property sells or changes hands the previous owners Insurance Policy ceases the exact moment down to the exact hour minute and second of the day the property changes hands. All coverage under the previous owners policy stops, it is null and void whether or not the insurance company has yet been notified of the change in ownership.The new owner has a responsibility to purchase and qualify for his or her own insurance coverage. All Property Insurance policies are like this and it is clearly stated in the terms of the insurance contract.
Have health insurance rates been rising in recent years?
In general, health insurance rates have been rising in recent years. If you've found your rates have not been rising, you should check your coverage. Insurance companise who offer lower rates may not be providing as much coverage.
Can you drive your girlfriend's car when you are visiting her in Pennsylvania even if you are living abroad and you do not currently have insurance in the US?
No insurance coverage means "don't drive the car". I would say that if your girlfriend has insurance coverage on the car and she allows you to drive there would not be a problem. This is unless you had been formally excluded from coverage by her insurance company.
Would falsifying an insurance certificate to indicate a company is being provided coverage when no coverage has actually been ourchased constitute insurance fraud in Guam?
That would likely be fraud anywhere
Why am I not covered for snowstorm damages after I switched insurance?
There are different coverages under an auto insurance policy like the liablity coverage,-(PPI) comprehensive coverage and collision. You switched the insurance and so the new car has only the coverage which you had opted for in your old car which might have been only the liablity - mandatory coverage. Thus technically you had insuracne coverage sufficent to abide to your state rules but your car was not covered for own damges of comprehnsive damage to the car. Hence the insurance company is saying that you do not have coverage. Please check your insurance coverage when you buy a new car and upgrade the same.
Do you have to have car insurance before you go back to get your license after it has been suspended even if you don't own a vehicle?
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.
If you have no car insurance can you drive a car?
If you have a valid drivers license and permission to drive the car, then yes, you can drive the car as long as the owner of the car has insurance on it. Unless the person is part of the household and has been deemed a non-covered driver by the car owner's insurance company. Let's say father has insurance on car. Son live's in house, however has been revoked or has a horrible driving record. Son has permission by father to go to store. Gets in a wreck, doing injury and insurance company had son named as not a covered driver. No coverage then.
