In poor driving condition such as snow, #2 can be useful. An example of using L would be when pulling a boat out of the water on a boat ramp.
If you are listed as a friver you should be covered under his insurance which means you should be able to add your vehicle as wee.
Primarily the auto insurance policy follows the car. Secondarily it covers the driver should he be driving an uninsured vehicle or to cover him on a borrowed vehicle. There are some restrictions based on primary vehicle replacement and other situations. Read your policy for specific information.
That shouldn't keep you from getting auto insurance as long as she is not listed as a designated driver of your vehicle. If your uninsured wife should drive and be involved in an accident with another driver, your insurance will not pay.
There is no Such Auto Insurance Policy. You would need a Primary Auto Insurance Policy on your own Vehicle and then an attached Umbrella Policy on top of it in order to get close to this.
You should check with an agent on this. Some states will require the owner to have the policy and list you as a driver.
If you are willing to charge this driver with auto theft it probably will. If not, the insurance company will assume you are giving him permission after the fact.
Yes, You can add any person you wish to your auto insurance policy that you want to be a covered driver in your vehicle.
This is a type of auto liability coverage that can be purchased when the buyer does not own an automobile. While auto liability insurance is typically said to "follow the car", meaning that it correlates with a particular vehicle, non-owner's coverage "follows the driver". In that sense, it covers the driver irrespective of the vehicle he/she is driving.
As long as the driver has auto insurance on the vehicle there should be no problem, DUI or not. If there is no insurance on the vehicle you have a problem. In that case not only will you be liable for the damage to the vehicle you cosigned but you also may have liability for the injuries and damages for anyone they hit. You should be very careful about cosigning a loan with anyone. They will get payment from the one who is easiest to get payment from and that is you most likely.
All drivers should be listed on your policy to be a covered driver. you should add your child to your auto policy for proper coverage.
If you don't own a vehicle, or have no intention of driving, you do not have to maintain auto insurance.
Driver who is not included as an operator in vehicle policy but has a auto policy of his own is termed as "Deferred operator".