Auto Insurance

It is liability insurance purchased by a person who does not own a car. Rather than "following the car" as most liability insurance does, non-owners coverage "follows the driver". Therefore, it covers the driver, subject to its terms and conditions, regardless of the car being driven.

In most cases, the driver.

Filing, data entry, copying, answer phones, post mail, etc.

Basically they can do anything that does not involve the sale of insurance, insurance advice or recommendations and they can not effect coverage.

Sometimes, but the an adult child has their own life now, right? The parents aren't really responsible. They probaly did there best to grow their disabled child as best they could.

If the breakdown is due to normal wear and tear, the towing charges will not qualify for indemnification under the motor policy.

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Depends on where you are, where the policy is written, and the terms of that policy. We get questions from several nations, and they would all have different answers. In the US, COMPREHENSIVE coverage deals with losses from things such as fire, theft, vanadalism, storms, etc. There is a separate provision for towing or roadside assistance- it pays up to a stated maximum if the vehicle has to be towed for repair (or salvage). You need to check with your insurance agent or insurance company to see what you have.

I am in law encorement in the state of Iowa, and my answer would be no. Auto insurance typically goes with a car, not a person. However, you may consider having the person who owns the car, check their policy to make sure that there are no exclusions that would prohibit you from doing so.

The Financial Responsibility Laws of most states require that you do. You need to obtain "non-owner's coverage" which provides coverage regardless of the vehicle that you are driving. This may also have to be in the nature of an SR-22 which is a special type of high-risk liability coverage.

No, you don't need insurance, its optional. Anything that you attach to your vehicle is only covered by your liability insurance on your vehicle. If you want to cover your camp trailer, you must add it to your insurance.

If you decide that your camp trailer needs insurance and would like a quote, chat with me online at insuranceagentchat.com from 10-5pm.

I know one car insurance company which provide a good service to customer at online and it also provide a quick support to customer that company is a leading insurance company in India and that company name is ICICI Lombard

Basic liability insurance. This covers the person you hit. Comprehensive and collision covers your car.

Not with respect to personal auto insurance. However, when commercial auto insurance is involved, especially fleet coverage, there sometimes is. It is not called a deductible, but a "self-insured retention". The insured selects an amount that it is willing to pay toward the indemnity of a third party before the insurer's obligation to pay is triggered.

Where I live PLPD (Public Liability and Public Damage) are the first type

The second is known as comprehesive or colision

There is often not a fixed number of days, unless the policy so specifies. If no fixed period is stated, the policy will probably use terms such as "as soon as practicable"--meaning ASAP.

Also, it is very important to obtain a police repor tor complete a "driver's report of accident" to document the occurrence. In either event, the document should be submitted to your insurer with the claim. This is because, if your insurer pays for the repair of your car, it inherits your right to pursue the adverse party to collect that which it pays--that process is called "subrogation".

Yes & No. You still have to have liability coverage, which is the lowest type of car insurance, if you plan on driving another person's vehicle. Because, several years ago, I drove my friend's vehicle and the brakes went out and I rear-ended another vehicle. My friend did not have insurance on his vehicle, so my license was suspended for three months for no insurance. I advised the DMV that the vehicle wasn't mine! But, they told me that it doesn't matter! I should have had liability insurance anyways, if I was planning on driving someone Else's vehicle!

In the US, rates will vary by insurance company, garaged location, condition of make and model, and type of coverage; plus your driving record and credit rating. The same general conditions will hold true for a corvette warship.

no. you should not pay

there is never a bad time to have insurance. Yes, you should regardless if the car is registered or not.

No. They are responsible for their own deductible. Because, when my van got hit, which was parked, I had to pay my deductible before the insurance company would cover it!

a lot. I recommend you this site where you can compare quotes from different companeis: mycheapinsurance.net

i had a suspend license and i involve with accident and idid not stop

When the cost required to repair the car to be fully operable and safe are greater than the market value of the car. In some cases, insurance companies will declare a "total" if, in their opinion, it cannot be restored to a safe condition, regardless of cost.

Yes, of course. If you are liable for the damages you are required by law to cover the losses.

Having a police report or not having a police report has no bearing on your liability and resulting financial responsibilities.

Although most minor accidents do not merit a police report, the insurance companies recommend an accident report be filed whenever possible to document the occurrence and protect the drivers and the company from individuals who may later try to shirk their financial responsibilities.

If you have insurance then your insurance company will cover the loss for you up to your policy limits. If you are uninsured then you are required to pay the damages yourself.

Assuming that you had collision coverage on your car, when it is totalled, the insurer pays the "actual cash value" of the car, less the collision deductible. This represents the market value of the car immediately before the collision. It takes into account make, model, mileage, condition, and other features.

When the car is totalled, you will be given the option of keeping the salvage or letting the insurer keep it. If you keep it, the amount paid to you will be reduced by the value of the salvage.

If you keep it the salvage and have the car repaired, sometimes you are allowed to obtain a "salvage title" from the motor vehicle authorities. If the vehicle, as rebuilt, is roadworthy, you will need to insure it as you would any other vehicle.

Pleasure, they assume driving for business will be a much more regular affair.