Auto Insurance

The driver is always responsible for whatever happens to vehical he is driving

You will be cited for driving without insurance and the other driver being at fault, him and his insurance are still liable for damages.

Two different policies paid for by two different people! You may have to hire outside legal help to make it happen, though.

Absolutely. You are responsible for making sure the vehicle that you are driving is insured. It does not make any difference that you have other car insurance or even that the owner of the vehicle has other insurance. If there is not insurance on the vehicle you are driving then you are guilty.

All household members must be listed as drivers on your policy as well as anyone who may be a regular driver of any of your vehicles. As far as their car that is a no. You cannot add a vehicle that you do not own. If your name is not own the title or the exception would be for husband and wife who live together, They may be covered under one policy no matter which if them is titled on the car.

I'm not sure what you mean by covered. She needs to be listed as a driver if she drives any of your vehicles. You cannot add her vehicle to your policy if that is what you mean. No one can add a vehicle to their policy if the vehicle is not titled in their name. The only exception is husband and wife situations. Whether or not you are adulterous makes not difference to the insurance company really.

Your insurance company is probably the least of your concerns but yes the company will pay the claim. If hope that you also went to the police department and reported it to them. Your insurance will go up due to the accident and the ticket for leaving the scene if you don't get more tickets for other violations.

Yes, you can. List him as a driver.

Why would you think someone would buy auto insurance in your name anyway. They would have to commit fraud, forgery, and a number of other felonies and I don't really see an upside for them. They would have to pay the downpayment at least and if they wanted to keep the insurance they would have to keep paying the premiums. If there was any type of claim it would be denied due to them lying on the application which is called material misrepresentation.

No. You cannot drive a car without insurance whether or not you have an SR22. You probably are required to have the SR-22 endorsement because you were previously caught driving without insurance. If you want to loose you license for a matter of years then go ahead and you won't have to worry about driving any more.

Texas or not the policy you insurance company has you on determines that

The best way to choose a quality insurance company is to search online for some insurance comparison websites. You can compare online the insurance rates between many different insurance companies and find out which one is the best for you. You can also ask online a professional for an advice.

Absolutely. As a matter of fact and contract you probably are required to specifically carry physical damage coverage with no more than a maximum deductible. Read your finance agreement that you signed with the bank or finance company when you purchased the vehicle. The state you live in specifies if you must carry liability insurance and the leinholder agreement specifies that you carry physical damage coverage. Common sense should also have a play in there some where as well.

Yes, it will. The fact that the other driver had no license has nothing to do with coverage and liability.

Usually if the person is over 18, has a license in good standing, and your insurance policy allows other drivers, you should be okay. Still, since you own the car, you may have some liability if the car crashes.

Just like you would with any other insurance policy. An SR-22 is merely an assurance from the insurance company that you will keep insurance for a year. The policy deals more with the insured than the vehicle. Often time drivers who do not have a vehicle can purchase this type of insurance in order to reinstate their drivers license. As far as changing vehicles just contact your insurance agent and they will take care of the change for you.

Yes, that would be under your comprehensive coverage.

This just sounds like your insurance company classification codes. These codes don't mean anything to you or anyone else except for the insurance carrier. Sometimes people get too iinvolved in what their code means and does this number or that letter make their insurance higher. Driver Class 51 could mean 25-64 year old married male drivers. Every driver on your insurance policy has a class cose. It's just ways of grouping certain individuals based on factors where they are similiar. They are nothing to worry about and nothing you can do anything about.

If you have the proper coverage it will pay with no problem. Your liability insurance will pay for the damage to replace the power pole to the utility company which will demand replacement costs. Your collision coverage will pay for damage to your vehicle. Loss of use coverage will pay for a rental vehicle while your vehicle is being fixed and if not drivable, it will pay for the rental car from the time of the accident until the vehicle is fixed up to the limit, which is usually 30 days maximum. Towing and labor will pay for your vehicle to be towed from the scene to the body shop or your home. Medical Payments coverage will pay for injuries to yourself and/or any passengers in your vehicle. Work Loss coverage will pay for your time out of work if your injuries require you to miss work up to the limits in the policy. There may be others if included in your policy. These coverages must be chosen by you to be included on your policy and that is if they are offered in your State.

Yes. Carefully read the application and questions on the application. If this is the person driving the car when the claim happens then I can almost guarantee that the claim will be denied. Most policies state that if someone drives the vehicle who you know or should know has a suspended drivers license or no license then no coverage will be afforded. It also stated that you agree to list all household members whether or not licensed and any and all regular drivers, whether or not licensed. You always need to be truthful on the application as the application along with the policy makes up the legal insuring document. A legal contract is made up of responsibilities that you agree to and that the insurance company agrees to. You agree to be truthful, to give the insurance company all information to rate and underwrite the policy, and to pay your premiums in a timely manner. The insurance company agrees to accept your risk of loss up to the limits you purchase and to defend you against claims. If you are not truthful that is just as bad as not paying the premiums in that it breaks the contract on your part and therefore the company does not have to uphold their end on the contract.

Yes. If a police report was filed or not more than likely the other parties insurance carrier notified the DMV and the accident was put on your record and the amount still owed to the insurance carrier is also listed there. If it was a one car accident and you were the only one that lost out it may or may not be on your record but since a report was filed it may still be listed.

Be honest with the agency that you are talking with about a quote and they probably will know more about whether or not it will show up. If you lie on the application and it comes out later the company could consider this material misrepresentation and deny a future claim. It's not worth the chance of wondering whether or not you have coverage if a major accident happens.

Once the title is transferred to another person the insurance on that vehicle is null and void. The other party needs to purchase their own insurance. The only exception is if the new owner is your spouse or child who live in your home. Even in the case of an adult child they should have their own insurance policy.

All rental car co. are required by law to carry at least the minimum liability coverage. Purchasing insurance from a rental place is NOT a term and/or requirement, however, liability coverage is very low, speaking of $ amount. You can use your car insurance also.

Each rental car co will sell you "an additional" insurance coverage. Unfortunately, I am not aware what the charge per day is.

Auto Insurance covers the vehicle, not the driver. As long as you give permission for a legally licensed person to drive your car and they are properly using the vehicle (i.e.: not racing) your vehicle is covered.

yes because if you have insurance on your car as long as you name is on the title and you were in the car with your friend most likely the insurance will cover it