Auto Insurance

no it shouldn't

David Spade

Non-compulsory insurance is a type of insurance that is not lawfully required, but can still be used for protection. It can add protective measures for both people and property.

Yes you can, it depends on the offense of course. If it involves embezzelment, insurance fraud or a violent crime it won't happen. Everything is case by case and on the application answer honestly because you will be finger printed and run through FBI. If you supply court documents and disposition it will make the process alot quicker. If not they will request those items. If denied you will have the oppurtunity to plead your case in front of a panel. Everything will depend on the crime and how long ago it was. They're not Nazi's and are pretty liberal and senceable. Don't forget even if they approve you doesn't mean your company or the insurance providers will. They all will do background. I know all of this through expierence. I have some old drug and possesion of stolen property charges and it didn't stop me but required chasing around documents and prolongs the process. Typically you can get a temp license while waiting. I hope this was helpful.

They are NOT liberal. Your convictions must be at least 10 years old. You have to provide certified copies of the disposition of the case. It can take 6 months before they give you an answer.

I have never had a fast payout with them.

A driver. Sometimes you add the name of the vehicle like taxi driver and bus driver.

I would say yes, however it seems like there is something wrong with the question. But, yes you can give your son your car. You don't have to have a diver's license to own a car. You could own 20 cars and not have a diver's license. You could be blind and not driver at all and still own cars. You could hire someone to drive for you, just like Miss Daisy.

Firstly, they most probably won't be covered by your insurance. Secondly, it is illegal not to have your car insured. Both could end up with you losing your car.

You should pay it BEFORE the due date, otherwise you are uninsured.

Insurance companies WILL always find a way NOT to pay out if a claim is made. So pay as soon as possible and BEFORE the renewal.

There is a supposed clause that allows you two weeks of "free" insurance after the policy expires, but that only applies if you renew and I wouldn't want to take the risk

There are quite a few factors that will determine how much insurance costs, I would call a local agent for a quote. I recommend you this site where you can compare quotes from different companies: mycheapinsurance.net

Most claims need to be filed within a year of the occurrence.

There are quite a few factors that will determine how much insurance costs, I would call a local agent for a quote.

The answer is in your particular policy, but if it does not your renters or homeowners policy may cover those items.

Yes they should be listed to protect their interest.

Paying your insurance premiums do no report to any credit reporting bureaus.

I believe that it is written through the Hartford group of insurance companies.

11252

You have to remove your child from the policy and have them find their own.

There are quite a few factors that will determine how much insurance costs, I would call a local agent for a quote. I recommend you this site where you can compare quotes from different companies: mycheapinsurance.net

2000

It really depends on what flood zone you are in and the what you want the house covered for. I would call an agent for a quote.

Total loss payoff

The gist of your question is not clear. Specifically, insurance claims are not directed to people; instead, insureds or claimants direct claims to insurers.

If you are asking about the options that a claimant has if the at-fault party or his/her/its insurer denies liability or damages or both, the claimant is free to file a civil suit for damages. The burden will be on the claimant to prove liability (fault) and damages. If the person sued has liability insurance applicable to the claim, the insurer will provide a defense to the insured, or settle the claim with the claimant if it believes that its insured has a legal liability for the occurrence.

If you are asking about the options that an insured has against his/her/its own insurer in the event of a first-party claim, the insured may likewise usually file a lawsuit for coverage. Those types of lawsuits are generally complex, and it is usually not advisable for the insured to try to represent him/herself. Further, virtually all States have bodies of statutes pertaining to claims settlement practices, and some may provide for additional penalties that can be imposed by the State insurance regulator.

This is not a question that lends itself to a short answer, here is an outline:

1. After the incident, either the policyholder or the claimant (or his/her/its representative) must report the incident to the insurer. A timely report is usually a condition to coverage under the policy (if coverage is found to exist).

2. The insurer will commence an investigation of the occurrence. This may be done by in-house adjusters, or the insurer may hire outside adjusters to investigate.

3. Depending upon typr pg occurrence, elements of the investigation will include police reports, photographs, diagrams, witness statements, statements of the insured and as many other people as may have knowledge of the "who where, when, why, and how" factors.

4. Assuming that the claimant was injured, the adjuster will want to collect medical records of treating practitioners, therapists, and others. These will be assessed for objective and subjective complaints of injury, indicia of preexisting conditions, prescriptions, and other types of medical care and therapy.

5. The adjuster will also need to know how the injury has affected the claimant. Work records, including lost time/income, inability to perform work-related functions, etc. will be important. The adjuster will also want to know how the injury has affected other aspects of the claimant's life--participation in activities, etc. Age of the claimant will also be a factor, because (1) a serious, permanent injury will adversely affect a younger person longer; (2) a less-serious injury to a younger person is likely to heal better; (3) an injury to an older person will affect the person for a shorter time, but is less likely to readily resolve.

6. The adjuster will need to determine if there is any fault om the claimant. Depending upon the jurisdiction involved, the rule of law may be such that recovery of damages is precluded or reduced depending upon the fault factor (based on "comparative" or "contributory" negligence).

7. Most insurers have ranges within which they settle claims, based upon the above factors, and others. They also look to jury verdict research to determine what similar injuries are "bringing" when suit is filed and the cases go to trial. For the most part, the goal is to resolve a claim amicably if it is possible to do so. In fact, insurers have the obligation to settle a claim within policy limits (the maximum amount payable as liability benefits) if it is possible to do so, rather than subject the policyholder to suit and to the risk of a verdict against him/her/it that is in excess of policy limits. Insurers also consider the expenses that they incur in defending a lawsuit (defense attorney fees and court costs) in making the decision.