Auto Insurance

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A parent or someone who already has a drivers license ONLY

If it was leagally parked, you should be asking what are your obligations if you hit a parked car. Your responsibilities are to pay the cost of fixing the Property of the person who's car you hit. Man up and do the right thing.

It can vary a lot. You'd need to contact your insurance agent to find out.

In NY it is any driver that is driving the car with the owner's permission.

I would say yes although I am not familiar with Florida law specifically. What comes to mind is a minor fender bender. The police are not always called to an accident if the parties agree to fore go calling and fault is not an issue.

Progressive

yes you do or how are you ment to drive the car

The police is the government and they can do many things, including towing away your uninsured vehicle. Do you expect a law enforcement officer to break the law and allow uninsured vehicle stay on the road?

Insurance is mandatory by law & doesn't require a license at all. It is the vehicle you are insuring, not yourself.

Yes, but it of course will not cover the accident. Also adding collision or comprehensive is likely wasted money, due to the reduced value of the car.

liability

If the estate is not yet closed and the vehicle has not been transferred to a beneficiary, it is generally a good idea to keep the physical damage coverage intact. In fact, it may be considered to be part of the fiduciary duties of the Personal Representative (Executor) to do so so as to preserve the value of this asset of the estate.

If the vehicle will be operated in the interim by someone, you should most definitely contact the insurance agent for guidance. It may be that the insurance policy addresses the issue of whether or not the liability coverage remains in force for a period of time after the insured's death, but the insurance agent is the best source of information. Alternatively, the person who will be operating it may be able to have the vehicle placed on his/her auto policy, or the existing policy may be able to be endorsed to show the (temporary) operator of it as an additional insured.

A driver's license or a learner's permit is necessary in order to buy liability insurance. The insurer's underwriting of the risk is dependent upon some minimum showing of the ability of the applicant to operate the vehicle, and a license evidences that.

It is not necessary to own a car in order to obtain liability coverage. Most insurers will sell a liability insurance product that is generically referred to as "non-owners coverage". This sort of policy is tied to the person who purchases it and provides liability coverage for him/her regardless of the vehicle being operated.

Other kinds of auto insurance, such as collision and comprehensive coverage require that the person purchasing it have an "insurable interest" in the vehicle. This means that he/she has a financial stake in the continued existence/condition of the vehicle.

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You do, unless the striking vehicle can be found and identified.

UM PD (Uninsured Motorist, Property Damage) may not cover hit and run because this coverage kicks in only when the other party causing the accident is legally uninsured. Since there is no evidence that the other party was legally uninsured then coverage is not provided unless the other hit and run vehicle is discovered and is ruled to be legally uninsured at the time of hit and run accident.

For someone to be liable for an accident there has to be some sort of damage that the person's negligent act caused to others. If there is no damage and no evidence, then there was no real 'hit'.

As long as she has your permission, she can drive the vehicle and she will be covered. If she drives it more than a few times, you should add her to the policy.

A lienholder may purchase what is called Collateral Protection Insurance in the event the debtor fails to provide collision insurance. Remember, the lienholder is not concerned with the liability insurance policy that the state requires. They are only concerned with you maintaining insurance that protects their investment in the vehicle. If you are pulled over by the police, the Collateral Protection Insurance will not be adequate insurance for the polie. The police are looking for you to maintain liability insurance.

For insurance companies to adjust your claim they are entitled to check certain legal documents. Requesting bank/ credit information could be a legitimate request to substantiate your claim (for example: how much you paid for the vehicle), or it could be a way to delay processing your claim to give the claim adjuster more time to further investigate the claim.

When you file a claim against your own company you must pay the deductible. Your company may pay you back the deductible only in cases where they go after someone else who was responsible for the damage and your company manages to collect for that damage.

Some (not all) companies may also waive the deductible if the insured made no claim in the past 1 or 2 years, for example.

Yes. That is part of your claim against them. However, if you filed with your insurance company, you gave up your right to pursue them for damages. Generally speaking, your insurance company will pursue the other party's insurance company and if the other company pays, that payme usually includes your deductible.