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.
no
An SR22 isn't a policy or a coverage. It is a notification to the state that you have coverage.
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.
Usually it does, you would have to check to see if you have a broad coverage policy or not.
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.
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.
You can but you will be breaking the law.
You'll need $50000 in personal injury coverage, as well as $25000 in property damage coverage to drive in Texas.
It depends where you are. Some places do not mandate it
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.
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.
Your coverage should kick in - if it was a matter of fault, you will be in the driver's shoes unfortunately.