Auto Insurance

It varies according to the legislation of the country concerned.

The insurance on a vehicle should be in the name of the Registered owner of the vehicle. Any permissive driver should also be added to the policy as a driver if you are a regular driver or if you live in the household. Either of these requires that you be listed on the policy not both of these. The owner of the vehicle is bound by legal contract to add any regular drivers and household members. If these people are not added to the policy, the contract has been voided and the insurance company can decide not to pay any claims involving such unlisted drivers.

I believe that I understand what you are asking. If I am not correct ask it again and I will try to do better. Auto insurance generally follows the vehicle and not the driver. Only the person who owns the vehicle can insure are vehicle except in a situation of an immediate family. One policy can cover members of the family even if the vehicle is in the name of other members of the family as long as they all live in the same household.

You should not have to be listed on the policy as a driver in order to take the driving test. Most insurance companies do not charge a premium for a person with a learners permit. Your parents should make sure that they have notified the insurance agent that you have a permit and give them the information like your permit number. After you pass the driving test and receive a permanent drivers license, they really should add you as a driver immediately so that you are covered should anything happen while you are driving the car.

You really can't unless you work for an insurance policy or work for the Department of Insurance for the State of Texas. Even then you probably wouldn't get this information as everything now is computerized. Each company uses it's own factors and codes for rating an insurance policy. There are so many different factors now that it would be impossible to calculate it manually. In the early to mid 1980s we did do it manually from large rate manuals, but no longer.

There are far too many factors involved in rating automobile insurance to give rates in a forum like this. Some insurance company have as many as 50 different rating classifications just for the individual drivers, not to mention the rating classes on the vehicle itself.

It is virtually impossible to determine one company from another based on prefixes or suffixes of their policy numbers. Policy numbers are not standardized in any manner. Companies can use whatever policy numbers they wish and whichever sequence works within their operating systems. Different companies write different lines of business. Several auto companies use PA to start their policies that are "Personal Auto" policies and HO for "Homeowners" policies. Others just use numbers that don't mean anything. Some combination of numbers and letters may tell their people what kind of policy it is and what year it was issued. Some things tell the company how many times the policy was renewed such as SSA1134524-3 being renewed three times. Others just use completely random numbers that mean nothing in particular but differentiate one policy from another. One policy number may represent all the accounts of one policyholder whether they are auto, home, etc. I hope you understand that the numbers mean nothing to anyone except for that insurance company. Blue Cross used to use a person's social security number as their policy number, until it got to be bad business to publish peoples social secrutiy numbers. Then they changed to random numbers.

Typically, the office of the insurance regulator (often called the "Insurance Commissioner") serves as the registered agent for suits against insurance companies. An insurance company normally assents to this process when it becomes authorized to write insurance in that state. Once served, the insurance commissioner's office has a process by which it transmits the summons and complaint to a contact person designated by the insurer, usually at the Home Office of the insurer.

as a general rule, if it occurred on the road and the "motorbike" is being used as a "vehicle" as in driving on a roadway like cars etc vs offroad... then it very well may affect your auto policy. In some states a report is required for any death or injury which includes "offroad" but since in a case like that it was probably a "recreational type vehicle" it may not. The type and size may play a part as well. It may need to be classified as a "motor vehicle" to trigger the reporting requirement, which may be different deoending on the state.

Sure, you can make a claim for the damage done to the car if you have physical damage coverage. As for the home, only your home insurance will pay for the damage to the house. The house insurance will not pay for a car and an auto policy will not pay for a house. Even if the same incident gets both.

like the title says, i was side swiped on the right back door of my 2013 charger by a 2013 Chevrolet Equinox. It was at a 4 way stop sign and i stopped like a normal driver and everything. When i was about 90% across the intersection and other car failed to yield and hit me on the right side. I told her either she pays for the damages in cash or i call the police and we settle this through her insurance. So Insurance it was. now after the 1 month long of her insurance telling me to do all this paper work and going to places to get my car inspected they decide to close my claim and stating they are not gonna pay me anything. why? because the police never issued the other driver a ticket for failing to yield at a stop sign. now two and a half months later i got my insurance involved and fighting with their insurance and supposedly they are going to fix it. My car is not badly damaged the door works fine but its very dented. so i have 3 estimates which i do NOT want to pay out of my pocket because its not my fault. highest estimate is 1950$ and the lowest is 1000$. I need help on what to do. I was told to do a Small Courts Claim and sue the other driver. any suggestion, please?

Medicare has nothing to do with auto insurance. Medicare is a Federal program of medical care for the elderly. During one's working life, Medicare taxes are paid to provide the benefit upon retirement or disability.

What you may be referring to is "medical payments coverage". It is a a coverage provided by auto policies that is available to pay a portion another party's medical bills in the event of a collision in which he/she is injured.

As long as you have not received payment and cashed the check you can always tell your agent or the adjuster that you wish to withdraw the claim. It should not be an issue with the company unless they finished the claim and closed the claim but even then they may be agreeable to allow you to withdraw if you wish. These days you only want to make claims for larger claims. Insurance is not for small claims and it can actually do you more harm than good to make small claims. Insurance companies track amount of claims as well as frequency of claims and either can hurt your record.

It depends on the rates of the company, your age, your driving record, and how much you are insured for.

This is a ridiculous myth. The color of a vehicle has nothing to do with the price of insurance. I have never seen an insurance application that even asks the color of a vehicle.

There is no way to say that ABC company has the cheapest rates anywhere. With so many different situations, classifications, and rating factors, one company may have the best rates for 24 year old single females that drive less that 9 miles to work, while another company may have lower rates if the same person drives 10 miles to work or has a 700 credit rating or whatever. All the insurance companies these days use their rates to effect the clients that they target. IF they believe that the 24 to 55 year old married market has the lowest losses then they will have the best rates. Another may have their best rates for women who are employed outside the home, have a masters degree, are married to someone 5 years or more older than them, and both who have a credit rating between 640 and 715. It's all over the place, so you have to shop rates and put a lot of your decision into finding an agent that you can work with and who will help you. If you find a local agent you trust who represents many top companies in your area, let them shop for you and help you decide which company to do business with.

If you only want the cheapest rate and don't care about having an agent to help you explain coverages or assist you if you have a claim, then go with your cheapest online rate as long as you know enough about insurance to make your own decisions. Whatever is cheapest for you this year probably won't be next year. Sorry for my rambling.

No seat belt violation is not considered a moving violation by most insurance companies so there is no point charge.

Of course not.

It depends on the terms of your contract. In the UK, generally, you do not need to inform them unless the 18 year old is going to drive the car.

I'm not sure what you are talking about. The only place where I can think that you may incur two deductibles is a situation where you back into your own vehicle. This could cause you to have two deductibles, one for each car. Often times, companies will waive one of the deductibles in this case. Damages cannot be paid under liability coverage because you can't be liable to yourself. In a situation where you back into someone else's vehicle, you liability would pay for their cars damages and your physical damage will pay for your damage to your car. If you hit another vehicle that you own, since you can't be liable to yourself, liability doesn't come into play at all, so damage on each car is paid under physical damage on each one as long as you have this coverage on both vehicles. In this case you normally would have to pay a deductible on each car but most companies waive the lowest deductible so that you only have one, and they also only charge the accident against one vehicle.

Auto insurance will not cover a boat under any circumstances.

Absolutely, if the 19 year old is driving and causes an accident, I can almost guarantee they will be sued. Especially if they are not listed on the policy for the automobile they are driving. Because the insurance company for the vehicle they are driving is going to deny the coverage due to material misrepresentation and then the other party will sue both the driver and the owner of the vehicle and will win. They will have to pay for legal defense fees and for damages to the other party for property damage, injuries, and loss of wages.

Absolutely. Not only are you legally liable for the amount of the damages but by paying the deductible you basically admitted your liability. When you agree to pay and you will agree to pay make sure you let them know that you paid the person for their deductible so you can get credit for that amount as long as the other party does not deny that you paid them.

It is impossible for anyone to give you a rate in a forum like this. Insurance companies have as many as fifty or so factors that go into calculating rates. Age, sex and vehicle type is only a few and will not allow anyone to give you a rate. You need to call agents in your area in order to get accurate estimates for auto insurance.

A lesbian trapped in a man's body. He is actually still alive, and uses the screen name Fun on AOL instant messenger