Auto Insurance

Absolutely. Your policy states that you will notify the insurance company of any and all household members and all regular or occasional drivers. You will need to provide the company with their name, address, drivers license number, date of birth, and any other information they may ask for. It is very important that this is done as soon as possible so that you do not endanger your own insurance coverage.

Yes, you need to give this information to your insurance carrier. Most insurance companies do not charge a premium for children with a learner's permit. When they get their permanent drivers license you will need to update that with the insurance as well. Make sure you obey the state laws as far as having a licensed driver riding with a learner at all times as well. Safeco has a device that can be added to a teenagers vehicle that even allows you to set geographical boundaries and you can set it however you want to. You can set it up to text you if they go out of the area they are allowed to drive in and it can even text you if they exceed the speed limit by more that whatever amount you set it for. They will give you a discount for having this installed. Installation is free and you pay a little per month for the service. You can see everywhere your teen has been and how they drive. The info is not reported to the insurance company but is yours only. It's a tool.

Geico offers Vehicle Insurances for boats, cars, trucks, and other automobiles. Geico also offers insurance for life, property, identity theft, business, umbrella and collectibles.

Good luck getting any relief from the damages caused by the driver with no insurance since you were on the road without a license. Given the circumstances, you cannot file a police report. If the other driver offers cash, take it. Your insurance certainly won't pay either. I suppose you might park the remains of your car and start riding the bus or bike until your suspension ends.

Men have to pay higher rates for car insurance because, statistically speaking, men have a higher rate of accidents. They have a higher rate of DUI-accidents, and also a higher rate of serious accidents than women. Because men appear to be riskier, less-defensive drivers, insurance companies have to adjust their rates accordingly.

In Car insurance, the First Party coverage part covers damage to your own vehicle, whereas with Third Party coverage, when a pedestrian get hit by your car (incurring death or permanent disability), the loss will be compensated by the Insurance Company.

Have your parents contact your insurance agent as soon as you receive your learners permit. Most companies require that you be added to policy as a driver. Most companies don't charge an extra premium for drivers with learners permits but do want them listed.

I believe you are saying that the other party admits fault and has insurance. Whether or not you retain an attorney is really up to you. One factor may be if there are any injuries for you or your passengers and if so are they real injuries or just bruises. When you obtain an attorney you will be paying someone else 30-50% of you total payment received from the other party. The legal fees are not in excess to damages but come out of your damages. I suggest that you work with your adjuster and see how everything goes. Most adjusters want to handle your claim fairly and get you back to where you were before the accident.

Legacy Insurance (888-793-7888) Companies are always changing their policy numbers as some of the bigger companies buy out some of the smaller companies so Legacy might not be the only one but it does contain "CAL" for sure.

The first thing you need to determine is if having your husband named on the policy is causing your premium to be higher than if his name wasn't on there? If the answer is NO, there is no valid reason to pursue having him removed. Drop the issue.

If including his name is causing higher premiums, that is why the insurance company won't remove him. They'll lose money if the do so and, as much as it sucks, they can legally do so because he is your spouse, regardless of anything else. They love to do this in situations where husbands get a few DUIs and end up losing their license for 5-10 years or even for life. He still has access to your keys and might possibly drive it without a license and cause a very expensive accident that they would have to pay for!

If your hubby has a clean driving record for the last 3-years or no license for that time period, it's unlikely that having him on the policy is working against you. If you removed him, they could choose to change your marital status from Married to Single or Divorced, which would increase your premium by 10-30% instantly! If you were paying $1500/year as married and were reclassified to single, it could cost you up to $600/year or even more and they DO NOT 'undo' it once they do it!

If you are determined to have his name off of your auto policy, your only realistic option is to switch insurance companies! You have the right to cancel your existing policy at any time, regardless of when it expires or renews. But if you go this route, be certain that you don't have even one day without coverage. A 1-day coverage lapse (or any lapse longer than that) can cost you THOUSANDS over the five year period following the lapse.

Usually it says on the front or back of the check how many days it is valid for. Most I have seen state 90 days. Even if it is past the date on the check I would suggest that you call the adjuster and speak with them about the issue. Sometimes they will issue you a new check and other times they will advise you to still deposit the check and it will be good.

No he have to listed as a second third or household driver for being cover by insurance

All insurance policies for automobiles are either six months or a one year period. Even though you have a policy with a one year period most companies offer many different payment plans and options. One factor that is important is that if the company has a rate increase during that time or if you get a ticket it will not affect your rates until the policy renews. If you make changes during the period they could change the premium like adding a car or such but you will still be one the old rate plan until renewal.

I would say as soon as possible because whiplash is generally just a temporary bruising of the muscles in the neck. It causes pain in the neck from this bruising but it always goes away soon. If you have more serious injuries you need to find out about it and have it treated. This would include problems with the vertebrae which may or may not include need for surgery.

Whenever you want the added equipment covered you need to have it added to your policy. Equipment that did not come with the vehicle from the factory need to be added on a separate rider adding coverage for these items so that they are covered.

All property insurance coverage (auto, home, etc.) require "insurable interest" as one of the essential conditions for issuing a policy. Insurable interest simply means that you legally have some degree (1%-100%) of legal ownership of the property you wish to insure. A car titled in another person's name does not constitute insurance interest because in the eyes of the law, you don't own it!

The exception to that rule is if a car is titled your spouse, you automatically have insurable interest by virtue of marriage. A spouse is always automatically covered even if you fail to name them anywhere on the policy. The exception to the automatic spouse coverage is if the insurance company determines that you were being intentionally deceptive by not naming them. For example, not mentioning that you are married and hubby has two DUIs and a few tickets and wrecks. It's always better to name both spouses on ALL insurance policies to prevent any delays or questions when you file a claim in the future!

Many insurance companies will issue a policy to you for a car that isn't titled in your name under the assumption that by requesting coverage and paying for it, you have insurable interest. BUT if you file a claim at any time in the future, they can and will verify whether it is titled in your name or not. If not, they have the legal right to automatically deny the claim! Some states require them to refund you the premiums you paid minus a $50-$100 fee if they flat-decline the claim on that basis and others don't. Regardless, you are left with a damaged or totaled car and no one to pay for it!

A potential 'work-around' to the insurable interest requirement in some states is to purchase a DOC (Drive Other Cars) policy. DOC follows you to any vehicle that you drive, but pays after the vehicle's own coverage. If the vehicle has no coverage, DOC would then pay as primary. But it can be tricky and it's a little different in each state. Most DOC policies cover you driving cars that are NOT regularly parked at your address and available for your long-term use (because you cars parked at your house that you can use anytime should have their own coverage). DOC covers situations such as a loaner from a dealership, driving a buddy's truck to move some stuff for the day, etc.

I would imagine that you are using the term frequency in relation to the frequency of claims that a person has instead of the amount of each average claim.

It depends on many factors. Each insurance company has their own rates. Often times one minor speeding or red light ticket will not cost you any additional premium. If the ticket is for driving under the influence of alcohol or drugs that is probably different. If an accident is involved that is a bigger factor as well.

Why would you even want to consider a question like this? If a person is restricted to driving only in the daytime that means their license is not valid after dark. If you allow someone to drive when they do not have a valid license they may not be covered, they certainly are not legally driving. Also, the driver must be listed on the policy as a driver and you have to have given the company all their information like their drivers license, date of birth, driving record, etc.

Comprehensive is a type of coverage you can add to an automobile policy. Comprehensive coverage is a physical damage coverage that includes damage to your vehicle that is not included in collision coverage. Collision coverage is damage done when you hit something or turn the vehicle over. Comprehensive includes fire, theft, vandalism, and animal collision. You can have comprehensive without collision but not collision without comprehensive.

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It may not only be determined by the insurance company rules but also by the state laws and regulations where you reside. In Georgia the rules are usually the same for all companies as determined by the State mostly. In a situation whereby you miss a payment you will have 10 days from the day the insurance company mails you a cancellation notice. This is not from the day that you receive the notice but from the day that the notice is mailed to you. On a renewal situation you have no grace period and the policy will expire on the last day of the policy if payment is not made before that date. For instance if your have a 1 year policy whereby it runs from March 1 to March 1 then you will not have a grace period if the renewal payment is not made before March 1st. Most insurance companies will reinstate the policy if you postmarked the policy before March 1st but legally they do not have to do this.

I don't believe it was explained to you correctly. You probably received a notice of cancellation from your insurance company and someone in the office told you they were going to put you in their indemnity company. Many direct writer insurance companies have a second company that they either have a completely different name or it may have a similar name to the main company. Allstate for instance has Allstate Insurance Company and Allstate Indemnity Insurance for people who have had too many claims or tickets and no longer fit the preferred companies guidelines.

It is just what it sounds like. However, the letter is addressed to the person who was at fault in the accident not the insurance company. They may have forwarded a copy of letter to the person's insurance company just so that the adjuster is aware of it. It is part of the process of filing a suit against someone. Attorney's tell their clients this so it seems like they are doing something.

If you have a minor driving your vehicle without having them listed on your insurance policy, then the insurance company will most likely deny any and all coverage if they should ever have an accident in the vehicle. You are not paying for insurance for them to drive the vehicle, so why should you expect them to pay the claim? You policy states that you agree to notify the company of all drivers and by not doing that you have committed material misrepresentation which means you broke the contract. If you broke the contract they are not liable to keep their part of the contract.