Auto Insurance

yes you can but if you wreck and they have insurance their car will be ok but your screwed

It depends on your insurance and where you are from.

That would a chauffeur. But I'm sure he doesn't call the person he drives around Master.

The average auto insurance premium for the citizen of Arizona is $1856 in 2009; the national average is $1,796. Even within the state of Arizona, rates have changed over the past few years. Comparing the current average car insurance rates, the average auto insurance premium in Arizona is 14% higher in the year 2009 than the year 2008. In year 2008 was 9% lower than 2007 in Arizona.

Hi;

The answer in Ontario Canada, is yes. I believe the Canadian AND US insurance industries are united within this circumstance. The policy holder is responsible for everyone he/she accepts as second/subsequent drivers. If however YOU are the second driver named on a insured policy, and you opt to carry your own coverage, then it will not affect you as you are not the policy holder. A word from the wise. If you do not own the vehicle involved in the collision, then you are not held responsible as such.

If you really want it from the horses mouth, call your provincial/state insurance association. They have ALL the rules, and will probably be happy to send you a brochure of the r and r's.

Best regards,

Unidrv.

Unless you have alot of money don't get your 16 year old a car that will require full coverage. Even with good student discounts and longevity with an insurance company, you will likely pay 2000 to 4000 per year. And if they get into a wreck, might as well just get them a bike.

Yes. In Colorado a trailer would be covered under the auto insurance policy. If you have a fifth wheel or camper I would recommended and insurance policy by itself on it.

Yes, as long as that adult is responsible, not like a older College-student brother or sister, but like a parent, aunt, uncle, or some guardian who knows you. It sucks I know. That's fine.

Repossession does not occur for lapses in insurance payments. The auto loan transaction and insurance transaction are completely separate. If you live in a no fault state, the lender may add insurance coverage to protect their interest in the vehicle, and this will be translated to you the borrower.

Now, that being said, no, there is no difference in the amount of time a debt remains on your credit report aside from whether it is seven years from last payment on a regular default (no judgment) or ten years for a defaulted account with a judgment securing it.

Both the driver and owner of vehicle are responsible. The injured party would sue you both.

Dayci Brookshire (you can see her full resume on IMDB). She's an indie actress from NY that does great accents.

Yes, because in order to drive legally, you need a license and a proof of insurance, not the deed to the car.

An example includes rental cars. Even though you don't own the car, you need insurance to drive one.

In most states someone else can register a car besides the titled owner if the proper paperwork is signed by the owner. The title will need to be filled out and signed by the person who will own the car.

pay your premiums on time, drive safely and as you get older they go down too. You could also take driver's ed and have good grades or other applicable discounts.

This is somewhat complicated. Each state has laws designating minimal liability insurance. Liability insurance pays for the other vehicle if you were in an accident. Some states are "no fault" which basically means it doesnt matter who is at fault each driver just takes care of the others.

This is the legal required insurance.

If you finance a new car the lender will most often require you have comprehensive coverage to cover the value of your car. This protects the money they lent you.

So you need to look up your state's liability requirements and possibly meet the lender's requirements as well.

The norm is 5 years. Car rental companies will sometimes go 7 years.

Hi

That's really an impossible question to answer without more information as each insurance risk is dependent on many factors, not just your vehicle group.

Where you live, your age, how long you've had your driving licence, any claims or convictions you've had and many other factors all go to calculate your car insurance premium.

If you're looking for a car insurance quote, you should contact an insurance broker or try one of the price comparison sites such as confused.com.

You could try ChoiceQuote Insurance Services online at www.choicequote.co.uk

They are not required to certify your copy of the policy. An Insurance declarations page (Policy Page) is already considered a legal document. I think most states will require that a copy be conveyed within 10 to 30 days depending on your state of residence.

Most companies will send a policy holders copy promptly on any request of their insured. Many companies now offer instant online policy access to insureds as well.

Technically yes and no. While they can't actually add the driver, they can rate the insurance coverage as if that person would be driving a vehicle. For example, if you had a child who had just gotten their license, and you named them as an excluded driver of your vehicle, yet they somehow managed to get into a small wreck and have to file a claim, your insurance carrier would likely deny the claim on the basis that the driver was excluded, as well as rate your policy as if they were going to be driving the vehicle, without actually adding them.

Moral of the story... don't lie to your insurance company.

In most cases they can drive your vehicle but most insurance companies have restrictions on the age of the driver, usually 25 or older. It is best to check with your insurance company before letting someone else drive your vehicle.

I was hit on September 1st 2009 by someone who ran a red light. It took until Tuesday October 13th for her insurance to finally accept 100% liability. My truck took roughly 7,000 dollars in damages and I have been in a rental car since September 6th.

I have had an X-Ray, MRI, six weeks of physical therapy(3x a week), and started a series of three injections in my back over six weeks. The MRI revealed I had two freshly torn disc. I have had a previous back injury from 2004 that required surgery(2005) and the accident has also inflamed that area.

I have a lawyer and he mentioned that my medical could surpass her limit. At the moment we do not know what her limit is through Allstate. He mentioned I may have to claim uninsured motorist on my own insurance. I only have 25,000 coverage.

Here is my question. The lawyer said my case for future medical, pain and suffering, and lost time at work could be worth 75,000 to 100,000. The problem is my current medical/therapy could surpass both her limit and my uninsured limit leaving me with 0 for future bills, pain and suffering.

How can I proceed to get what is owed me if the limits are in fact surpassed?

The Bodily Injury policy limits dictate how much coverage there is for the car in case of an accident that causes medical injuries. If the other party has $15K/$30K that means they have $15K in coverage for each person in the car but a maximum of $30K for all passengers. So if there are two people in the car they each have up to $15K to pay their medical bills, damages and pain and suffering. But if the car is full with 4 people then there is a maximum of $30K to cover everyone's medical bills, damages and pain and suffering.

The better policies have $100K/$300K which usually is enough to cover all damages.

If there are a lot of injuries and medical bills and $15K is not enough to cover them all then your uninsured motorist provision in your own policy can cover the excess. The uninsured policy has coverage built in for "UNDERINSURED" accidents when the driver at fault's policy limits are not high enough to cover all of the damages. Once you settle with the at fault driver's insurance company and receive a check for policy limits, in this case $15K, then you turn around and submit the same evidence of medical bills and damages and the check from the other insurance company to your insurance company. Depending on the state you are in you will be able to recover the balance that was unpaid from your own company. This underinsured claim will only work if your uninsured policy limits are higher than the other driver's limits. For example, if the other driver's limit is $25K and your uninsured limit is $100K and your medical bills are $100K then you could get up to $75K if you are in CA but if you are in NV you get up to $100K.

There is also property damage coverage to pay for repairs, loss of use of the car while it is being repaired (rental car bills) and any property that was damaged during the accident (sunglasses, cell phone, clothing).

Yes. Many people store cars, and other vehicles in other places and they are insured.

Dayci Brookshire (NY indie actress...her full resume is on IMDB).