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If you are driving a car in the state of Illinois, then you need to carry insurance on the vehicle. Uninsured motorists can get insurance at affordable rates if they know where to look. There is a minimum amount of coverage that the driver needs to have on their insurance. This amount is not high so that drivers can get insurance coverage at an affordable rate. However, if a driver wants to take a risk and let someone else drive their car, they need to carry uninsured motorist insurance on their policy. The minimum amount for this coverage is $20,000. This covers the driver of the car if they were in an accident and were not covered under an insurance policy.
In the event of a car accident and the driver of your car or the other car were not covered under their own insurance policy, the uninsured motorist coverage would protect not only yourself but the other drivers in the accident. The coverage will pay for any medical necessities that are incurred during the accident and any wages that are lost. The coverage will only pay up to the amount that you have on your insurance policy. Anything over this amount will be the responsibility of the driver. If the accident was the fault of the other driver, then their insurance will cover up to the amount listed on their policy and then your insurance will cover the remaining amount. An uninsured policy is different than an underinsured policy. An underinsured driver has insurance, but they may not have enough coverage to pay for the expenses if the driver were in an accident. An uninsured motorist has no insurance at all. The only way that an uninsured motorist can usually drive a vehicle is if there is a family member who has taken out the uninsured motorist coverage on their insurance. An uninsured policy is not expensive to get, but it would be best for the driver to obtain their own policy as soon as possible.
What else can I help you with?
Can you drive in NJ without personal insurance coverage?
no
Can you drive a car off the lot with sr22 insurance?
An SR22 isn't a policy or a coverage. It is a notification to the state that you have 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.
If you have full coverage insurance in Ohio will it cover any car you drive?
Usually it does, you would have to check to see if you have a broad coverage policy or not.
How can you get insured to drive any car?
You need to check with your current insurance carrier. In my case I am insured thru Farmers, and with them as long as you carry full coverage on the rig you own and drive that same coverage will be with you in any rig you drive except commercial rigs.
How old do you have to be to get comprehensive car insurance that covers you to drive other peoples cars?
As long as you are old enough to legally drive you may get any coverage you wish. However not all insurance companies offer this coverage. One more thing... this coverage you are asking about is referred to as permissive use.
Can you drive your car with NH plates in mass with no insurance coverage?
You can but you will be breaking the law.
What are the state minimums for Texas car insurance?
You'll need $50000 in personal injury coverage, as well as $25000 in property damage coverage to drive in Texas.
What happens if you drive without the required insurance coverage?
It depends where you are. Some places do not mandate it
If your car is insured can someone else drive it who is not on the insurance?
It depends on the type of policy you purchased. It may provide coverage for permissive use or it may not. Contact your insurance agent and they can advise you of the coverage you have now and recommend the appropriate coverage for you.
What coverage is provided when purchasing standard car insurance?
Coverage that is provided when purchasing standard car insurance are liability coverage and the legal right to drive. There are two liability coverages: bodily injury and property damage liability.
If you let someone who has no insurance drive your car and they wreck it can you get sued or what will happen as far as the insurance coverage?
Your coverage should kick in - if it was a matter of fault, you will be in the driver's shoes unfortunately.
