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What else can I help you with?
What happens if you wreck someones car who has insurance but you have no license and they are not pressing charges?
If they are not pressing charges, then they are giving you permission to drive their vehicle. If you give someone who doesn't have a drivers license permission to drive your vehicle, you are voiding your insurance coverage. The Insurance company will not pay.
Do i need full coverage on a financed vehicle that is garaged and i do not intend to drive?
Yes. Damage could still happen to the vehicle and the loan company or bank will require full coverage.
If a car owner has full coverage on their vehicle including uninsured motorist can they allow someone without any insurance to drive the vehicle?
It is my understanding from my insurance company that if I "give permission" for someone to drive my vehicle and I have full coverage then my vehicle is covered. Recommend you ask your insurance carrier this question, they will be happy to give you an answer regarding your policy.
Can your employer ask for your vehicle insurance to drive their vehicle?
Your personal auto coverage will not cover their vehicles. What they are probably asking for is to make sure you have coverage in case you drive your vehicle on errands or such for the company. If you go to the post office to get the company mail your personal auto insurance will be the primary insurance and then if they have an endorsement to their insurance called "hired and non-owned auto" it will provide secondary coverage over and above your coverage to protect them in case of an accident. Their coverage insists that you as the employee have primary insurance on your vehicle. Also note that the company insurance will not pay for damage to your vehicle.
Do you need to be on someones auto insurance to drive a vehicle?
Insurance will cover any licensed driver with permission to borrow the car.
What does it mean when someone is excluded from an auto insurance policy?
By excluding a person from an auto insurance policy, you are stating that the "excluded" person will not drive the insured vehicle, and that you understand that the "excluded" person is not covered by your insurance in the case of any traffic violation (accident, ticket, etc.). It means there is no coverage available to the excluded person in the case of an accident while driving the said vehicle. There will be NO COVERAGE.
Does drive other car coverage offer personal liability to driver of company vehicle?
No. Your personal auto Insurance Policy provides NO coverage for Company owned or commercial vehicles.
What kind of insurance coverage can we get for a borrowed vehicle that doesn't have any insurance on it because the owner doesn't drive it. We have insurance coverage on our vehicles?
Some insurance companies like Progressive will cover a non-owned vehicle meaning a vehicle in which you have no legal or financial interest. Check around if your insurance company does not provide coverage to non-owned vehicles.
Do you have to have insurance if you have a drivers license but do not own vehicle?
In most situations, the insurance follows the vehicle, therefore, if you don't have a vehicle you would not have a need to have insurance. You still have the responsibility to make sure that any vehicle that you do drive is insured. If you borrow someone's car and drive it, you have the care, custody, and control of the vehicle and you are legally responsible to make sure it has the legally required coverage. If you drive an uninsured vehicle, you will be ticketed.
What personal auto coverage would a person need if she does not own a vehicle?
If she does not own a vehicle nor drive one then she would not really need coverage. If she drove someone else's vehicle then the owner would have to have coverage with the driver listed on the policy as a driver along with any others who may drive the vehicle. If she rents a vehicle when she needs one then she would just need to purchase the physical damage deductible waiver coverage that you can purchase from the rental car company. There is also a non-owner policy that is normally purchased really just to make the DMV happy and to keep your drivers license in compliance. The non-owner policy is a liability policy that can also have uninsured motorist coverage added to it. You cannot have physical damage coverage on a non-owner policy. Sometimes people think this type of policy will cover any vehicle that they drive so if they damage a friend car it will cover it. That is not what it is for.
Is there a way to suspend coverage on a vehicle that will not be used for a period of time but still keep it insured and reactivate the coverage when you want to drive it?
This is a contradiction: To "keep it insured" is to keep the coverage, not to suspend it. I think you are talking about a storage waiver, which is something a lienholder would be able to discuss with you. If you have a loan on the vehicle, the lender obviously requires you to keep the vehicle insured. If you STORE the vehicle, however, the lender can or may issue a 'storage waiver', allowing you to discontinue coverage for the time the vehicle is in storage. They set the terms and you must talk to your lender first to determine the requirements of the waiver. If you do NOT have a lien on the vehicle, no outstanding loan, then you only need to carry liability coverages. If you intend not to drive it for a period of time, you can cancel the liability coverage for the time the vehicle is in storage/not being driven. For your own security, however, you should be absolutely certain no one else has access to the vehicle during that 'storage' time.
If you have an insurance on your vehicle can you drive a vehicle belonging to another person?
If you are a first named insured on your policy then your liability coverage would extend to any non-owned private passenger vehicle you have permission to operate.
