Auto Insurance

A Garage policy can have many different kinds of coverage added to the policy. You can certainly add coverage for tools and equipment to be covered under the policy.

Life insurance companies pretty much always do a check of your MVR when you take out any life insurance policy. The only time thy can legally check your driving records are during the first two years that you have or have applied for a policy. This is due to the two year non contestable clause on most all life insurance policies. This is the only time where they can find out things that you did not tell them truthfully or kept information from the company when you applied for the policy. They check your driving record to see if you have a problem with drink and driving, drug possession, speeding while driving, and other issues that may make you a higher risk to an insurance company.

If there is no insurance on the vehicle and you get a ticket for driving without insurance you are guilty of the offense and will have to pay your fine. Even though the vehicle belongs to someone else it is the responsibility of the driver to make sure there is valid auto insurance on the vehicle before driving it.

No. You must have a valid driver's license to insure your car.

You can drop anyone that is listed as a driver on a car you own and pay for insurance on for any reason. Depending on your insurance company this may avoid them raising the premium on that car due to his DUI.

There is a maximum time set by law, but I consider it reasonable if the rental car coverage (usually limited to 30 days) has not yet ended.

The pre-fix or any other part of a policy number will not tell you what insurance company writes the auto policy. To my knowledge their is no regulations, requirements, or laws about what should make up a policy number. For this reason companies use whatever they wish to make up the numbers. Generally it is whatever fits in their system and what they have always used. For instance, many companies use PA for personal auto policies, HO or HM for homeowners policies, etc.

A child of an appropriate age with the proper licensing can drive vehicles in some states as long as they have gone through all the proper steps to obtain a learners permit. Testing and ages will vary depending on different states and nations would determine this ability to drive. The child would also have to have a properly licensed and of a proper age in order to be accompanying the learner while he was driving.

Depends of the Insurance Company. Most of them YES if the bill is paid in the first 10 days.

This will vary with different insurance companies. To my knowledge there are no laws or regulations relating to this matter but generally the agency overseeing insurance companies in the state have access and approve the manner that each insurance company uses to rate policies. The best way to find out this fact is to ask your agent.

You will be solely responsible for his injuries and for all costs incurred due to the accident. If you choose to drive without auto insurance then you must be extremely rich in order to not carry insurance that would have paid for these costs as well as the persons pain and suffering and work loss that he certainly will have due to your inattention while driving and hitting this poor bicyclist. To make sure you pay all these damages and costs the State will most likely suspend your drivers license until all these amounts are paid in full. Sounds like you might need to by a bicycle as well but be careful out there.

Depending on the state, all states allow properly licensed young drivers with a learners permit to operate a vehicle. This is to assume that the young driver is listed on the policy as he should be as a driver on the policy.

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These days I would be very careful about attempting to hotwire a vehicle due to the complicated electronic makeup of the vehicles. Not only the electronic issues but also the computerization of the vehicle would suffer expensive damage as well by attempting to hotwire the vehicle. Shorts of electrical current traveling into various components would also be dangerous.

I am assuming that you are making up some abbreviation by using the plpd. The part of the policy that would pay for the damages to the car you hit if it was your fault would be Property Damage Liability Coverage.

All you need to do is to look on your lease contract and it will give you not only the address but more importantly how the insurance must be stated. Generally in the case of a lease you agree to keep certain high liability limits, certain deductibles, and to list the finance company as an additional insured as well as the loss payee on your auto insurance policy. If you don't carry it exactly as the contract states the least that will happen is that they will provide such insurance and you will be charged for it, and the most they can do is to repossess the vehicle and sue you for all costs, balances, etc.

Car insurance is mandatory to buy as soon as you purchase the car.. Car insurance safeguards if you have an accident.. Once your vehicle is insured then you need not to worry about its damage.. If you have an accident then the car insurance policy safeguards from bearing the losses.. So no matter what car insurance is mandatory in order to secure your vehicle..

All auto losses are used to determine premiums. All claims paid plus expenses of the company are added up to determine if the insurance company has a profit or a loss. Auto insurance companies usually try to break even on underwriting of auto insurance policies. If they can break even on the insurance then they will usually make money on investing the premiums and be profitable for the year.

Not necessary- you only add/exclude drivers

This would depend completely upon the cause of the damage. If a tree fell on the car during a major storm and broke the windshield completely and then rain from the storm caused damage then yes if the policy had comprehensive coverage, it would pay for the damage. The cause of the damage would be covered if it was a covered cause.

Certainly if there is a good reason. For instance, if you go on vacation into another state your coverage would not only transfer with the vehicle but if you had limits that did not meet the minimum requirements of the state you traveled into then your policy would automatically increase to the minimum limits as you crossed the state line. USA personal auto policies are good in every state as well as Canada but the coverage will not travel into Mexico. You will have to purchase insurance from the Mexican government at the border.

One factor you should be aware of is that you cannot purchase insurance in the state where you live then use the vehicle regularly in another state because it is less expensive. You will have to purchase the insurance and have it listed in the state where it is garaged. You policy application asks and requires you to keep them aware of your garaging address. The rates are always based on where the vehicle is kept normally at night.

Quotes are information; without the Internet you would have traveled around insurance companies for ages collecting the same information. Now you can compare them and even order a auto insurance policy without leaving your home.

Insurance companies do not fine anyone for any reason. However, if you allow a person who does not have a license drive your vehicle it is most likely a violation of the terms of your insurance policy which is a legally binding contract. In the contract you most likely have agree to report any drivers to the insurance company and not to allow anyone who is unlicensed to drive your vehicle. By violating the terms of the contract the company will most likely not cover any damages caused while the vehicle is being operated by unlicensed driver. This will void the policy completely. Why would you want to do this for any reason?

Apparent multiple meanings but in at least some caes it means "Coverage Not Wanted"