Auto Insurance

You can drive a car that is not owned by you. If a vehicle is titled in your name you cannot purchase non-owners coverage because by doing so you are stating that you do not own a vehicle. This is not to say that the person who owns the vehicle is void from their responsibility of carrying coverage on their vehicle. Your non-owners policy will protect you for liability only and will not pay for any damage done to the car you are driving. The auto must also be properly registered and have an active tag on it or you can be ticketed for that.

It is written in your document. Take a brief look at your document. It is mentioned there.

If you do not have the policy, since travel insurance policies are often sold by travel agents, contact the agent for information. At the least, the travel agent will have a record of the insurer with which it works for travel insurance and should be able to put you in contact with it.

It is usually much cheaper to have an individual car insurance plan.

No, if one is not covered by an insurance policy, one may be cited if stopped. Thankfully, the law is permeable, so if one were to drive another's car in order to prevent public or personal damage, the police officer on the scene (if there is one) may elect to "let you go".

In addition, it is legal to drive another person's car if you have their permission. Depending on where the vehicle is insured, insurance policies have provisions for drivers who are not covered by the policy but who have permission from the owner to drive it.

No, there is no extra charges on an insurance policy for a financed vehicle. Only difference will arise in the paper works, and it will mention that the vehicle is hypothecated.

Of course. Most insurance companies will not write physical damage coverage on vehicles over 15 or 20 years old. The reason for this is the wide discrepancy in the value of the vehicle of that age. Many companies will write coverage on an antique basis where you get an appraisal from an expert and that way you and the insurance company agree up front as to the value of the vehicle. This way they can also have a way of accurately rating the risk.

If you are asking about the automobile insurance policy, it depends on the specific policy. Most policies include protection when driving another vehicle as long as it is with permission of the owner.

Be a better driver, live in areas where things such as car theft and accidents aren't so high, and, if you're not 25 yet, wait until you are.

If he is a member of your household or if he drives your vehicle then yes he must be added to your insurance policy. A member of your household includes students away at college. A student at college does not count as not living with you because their residence is still your house.

Every insurance company maintains its own set of underwriting guidelines. These define the metes and bounds of the risks that they will insure and under what terms. Sports car status is one of them as to auto insurance. Therefore, it is not possible to answer the question in more specific terms as to car like this. You should contact licensed insurance agents to determine the insurers that they represent and the underwriting guidelines of them.

I can say without hesitation that the Chevy Cobalt is no Sports Car, not even close and no insurance company would consider it one. It does not even come close to the definition of a Sports Car. However only an insurance company can tell you what the insurance costs will be for this car.

In some instances these can be interchangeable but in certain cases they are not. For example, an accident can be an occurrence but a tree falling on a parked vehicle while it is an occurrence, it is not an accident. I hope this helps you.

No. Unless they are members of the same immediate family who live in the same household. Anything else is against the terms of your policy which is a legally binding contract. Be very careful with this. If you insure a friends car on your auto policy and they have an accident, your insurance company cannot pay you for the damages because you don't own the vehicle, and they can't pay your friend because they don't have a contract with the insurance company. Not only will no one be paid for the claim, but you have also committed insurance fraud based on "material misrepresentation". Say your friend hit another person. The insurance company cannot pay that person either. You will be sued by that person and your friend. As for your friend, you technically sold them insurance without a license nor a contract to sell insurance with the company. Your friend and you will be sued and the company will also not pay for your legal defense. You will be screwed all the way around just because you wanted to save money and screw the insurance company out of premiums.

You need to be a little clearer on what you want to know so I can help you. If you are just trying to answer some homework, disregard my question and leave it like it is because I won't be helping on this one. Apple's is not an element that comprises a manual rate in insurance. I answered the question so the censors will not write to me again.

Wouldn't be a simple thing to do. The problem is that the car would have to be registered, and the person registering it would have to hold a drivers license in the state they're registering it in, and, in order to be eligible to get a drivers license here, they'd have to establish themselves as a resident of that state (in which case, they'd have to become a resident of the US, at which point, they cease to be a tourist).

Certainly. The owner of the vehicle has liability in many different ways. First, the owner of the vehicle is allowing the co-signer to drive the vehicle without listing them on the insurance as a driver. In this, the owner has committed insurance fraud and material misrepresentation against the insurance company. The insurance company therefore has a reasonable cause to deny all coverage for the accident. Now the owner will have liability to the other party in the accident for all their damages, lost wages, and/or injuries. The owner will have full liability for the repayment of the loan even though the vehicle is damaged or totaled because the insurance company has no responsibility to pay for said damages because the owner lied on the insurance application. The application and policy clearly states that the owner will notify the insurance company of any and all household members and drivers. By not doing this you have committed fraud. An insurance application and policy make up a legally bind contract which binds both parties to certain requirements under the contract terms. The policyholder is required to pay premiums and be truthful on the application and thereafter letting the company know of drivers, locations, household members, etc. and the company has a requirement to pay claims. If one party doesn't fulfill their part the other party is also not required to fulfill the other part of the contract as the contract is void.

Uninsured motorist coverage provides insurance coverage when you are hit by a person who has no insurance coverage. You uninsured motorist coverage will take the place of the insurance that the other person did not have and will cover your damages just like theirs should have if they had it. The only difference is that you will have a small deductible for property damage coverage.

Broad Form auto coverage is as close as you can get to having no coverage at all. You cannot add physical damage coverage to your policy so you cannot buy this is you have a car financed. The coverage is for the named insured only and every other human on the planet is excluded. If anyone else drives there is no coverage. This is not anything that I as an insurance agent could ever recommend to someone.

Because this is the average that people drive per year. It is certainly not to mean this is everone's average, definitely not my wife's, but it is generally considered the average.

You cannot give rates or estimates of rates in a forum like this. There are up to 100 factors that go into rating an automobile policy and there is no room or privacy here to rate an auto policy. Sorry but you need to call an agent in your area in order to get the best rates. I strongly suggest that you find an Independent Agent that you can deal with who is willing to explain coverages to you so that you can make informed decisions on what coverage you need or want.

An Independent Agent represents many different insurance carriers so that they can shop their many companies to find you the best rate and coverage.

There is a company who supplies information to insurance companies called CLUE. This company gives insurance companies information on losses paid by all insurance companies and what type and amount of the claim was paid. CLUE also supplies companies with a variety of information. It gives information like people who had auto insurance at the same address as you have and people who were listed on insurance policies of you in the past like other household members or drivers.

Sure. You are much better off to get GAP insurance from your insurance company than by buying it from the dealer. If you buy from the dealer you will pay lots of money for the insurance plus you pay for GAP insurance for the life of the loan in advance then pay interest on it as it is financed in your loan.

GAP insurance is coverage for the difference in the actual cash value of the vehicle and the amount owed on the vehicle. Reason shows that you will only be upside down in your loan when you first buy a new car because the value decrease fast the first year while the loan doesn't reduce as fast. You can purchase GAP coverage from your insurance company for a few dollars ($5-10) for a policy period and when the loan balance drops below the value of the car you can drop it. Say the first two years of a five year loan you owe more than the value though it is probably less. For two years you may pay $40 for the coverage from an insurance company then drop the coverage. From the dealer you paid $850 plus interest and you can't cancel it even though it will not pay off anything after the first two years.

To answer your question, most insurance companies will let you add GAP coverage for the first 6 months after you add the car to your policy.

No they can't and they don't. I would be certain that you made some change to you policy like adding a vehicle or such. Either that or the insurance company found more tickets than you told them about when you took out the policy causing the premium to increase. In either case the company would have mailed you a new declarations page with the increase shown on the page as well as the increase in payments shown as well. If you didn't open the mail, or gave them the wrong address, or didn't read the declarations page, that is not the insurance company's fault. They will always notify you in plenty of time prior to the premium being deducted. Usually if the date of deduction is too close, they will even wait until the next payment to make the change so you are adequately informed.

There are many different optional coverages under an automobile policy. A minimum liability policy will pay for loss of earnings if you are the party who is hit by the other driver. In this situation the other party's insurance policy will be responsible for your losses as far as damages and injuries up to the policy limits or actual loss whichever is less.

If you have a policy which is liability only and you hit someone or something then no, your policy will not pay for your liability coverage will not pay for your losses or injuries nor that of your passengers. You can purchase optional coverage that will pay for many different situations including work loss. I hope this has helped answer your question.

If you are wanting to switch at your renewal date with your prior period, there is no grace period at the renewal date. When the policy ends it ends. If you are wanting to change when a payment is due in the middle of a policy period the insurance company will send you a notice of cancellation after you miss the payment. In my state this is 10 days from the day they mail the notice. You need to watch for this cancellation notice and note the date and time of cancellation. Most companies cancellation time is 12:01 a.m. so if the date of cancellation is 12-1 then you need to have insurance in place by this time which is one minute after midnight on 11-30.

This type of forum is not a place that rates or estimates can be provided. There are so many different factors that go into rating auto policies. Some companies use up to 100 different classifications not to mention discounts and uprates that also effect auto rates.