Auto Insurance

UM/UIM policies are in case you are involved in an accident with a driver who doesn't have insurance or doesn't have enough. This policy is only in the event that the uninsured motorist is at fault for the accident.

it is not necessary on all vehicles but it might be a good idea.

Ask a lawyer about it.

If you are driving their car and hit their car, then their insurance will pay for the damage on both cars.

If you are driving your car and hit their car, then your insurance will pay for the damage on both cars.

Yes. That is what your Uninsured/Underinsured Motorist coverage is for. Limits & conditions are very state & company specific.

As the registered owner you can be held responsible and financially liable for the actions of the drivers you allow to operate your vehicle.

It would therefore be advisable to maintain your auto insurance.

That is a state specific & even worse a company specific question. Most cases no but, again, very specific with state & company.

An SR22 is a Financial Responsibility Filing with your DMV. Not an Insurance policy in itself. By contacting your Insurance Agent, they should be able to add the vehicle or replace the existing vehicle depending on your needs. There just cannot be a lapse in coverage.

Check with your Insurance Agent/Company to be specific. Definately as soon as they receive their license. At the very least, the insurance company should be aware of the new driver as soon as they get their permit.

The answer is most likely no. If you are not licensed to operate a vehicle, then the insurance company would be contributing to a crime if you are operating it as all states require a driver license to operate a motor vehicle.

There are exception and there are a few carrier that will provide coverage in special circumstance. For example, grandmother has never learned to drive and do not have a license. She purchase a car so that her granddaughter will drive her to and from the grocery store and the church.

If an accident occurred, it is not uncommon to find damage after the fact. Even in slower collision, there can be damage underneath the bumper of the vehicle. Happens all the time. In those circumstance, the party at fault can choose to either pay out of pocket for the damage or file the claim with their insurance company.

A non admitted insurer is somettimes referred to as a surplus lines carrier.

Yes .Contact your agent or broker and request a rider- endorsement on your policy which specifically excludes a particular family member from driving your car.This is particularily advised if you own a few cars.The insurance company will assess your family member as a primary driver even if she or her never drives the car.Most brokers conviently forget to mention this to there clients because its free income for them with no liability.The aforementioned applies in Ontario Canada.I dont know about other jurisdictions.

In most cases, as long as the policy owner give permission, then the policy will cover anyone who drives the car. There are exception for those who are specifically restricted by the policy to drive the vehicle.

Yes. The insurance policy is a contract. All it requires the insurance company to do is to pay the fair market value of the vehicle. You would need to get what is called gap insurance to pay the difference between the market value and the loan value.

Any type of insurance fraud is generally going to be considered a felony.

Collision coverage pays to repair your vehicle after an accident. Comprehensive coverage pays to repair your vehicle for damage caused by something other than an accident, like fire, theft, and vandalism.

Not 100% but I'm pretty sure you'd be looking at felony hit-and-run along with negligent homicide.

Telling if a company is bad or not depends on the consumer who uses it. I suggest doing some research on their website, and around the web. Calling and getting a quote for your car, and the specific services that you want is also a good idea.

You should check with your insurance company. If you still have a policy open for the car the premium is still due. But I'm not sure why you'd have a policy if the insurance company said the car was totalled

Aflac's most popular Accident policy pays people, via checks, if they are medically treated for any injury to their body that is not excluded from coverage (examples would be self inflicted injuries, or injuries sustained as a result of being intoxicated, or engaging in extremely high risk activities.)

It is not a replacement for health insurance, but instead provides the policyholder with cash they can use for any purpose. Here is a scenario in which the Accident Plan would be used:

A single mom works full time and supports, say, three children. She purchases the Accident Policy, either directly from Aflac, or as part of a payroll deduction program her employer offers. One day she gets a call from her child's school nurse. who informs her that one of her children has fallen off a jungle gym at recess and may have a broken arm.

The mother immediately leaves work (punches OUT) and goes to the hospital where her child has been taken. Doctor's take x-rays of the child's arm and confirm it is, indeed, broken. The child also received a concussion and for that reason is admitted to spend one night of observation in the hospital, and receives a head CT scan the following morning.

The mother loses a significant amount of time (days/weeks, maybe longer) at work to be at her child's side.

Here is what a typical Aflac Accident Plan would pay for that child's injuries (please note: these figures are just an approximate example; each state has their own version of the Accident Injury Policy, and payout amounts could differ)...

Initial Emergency Room Visit: $ 70.00

One night in the hospital: $1000.00

1st day in hospital $ 250.00

Fracture of arm: $ 100.00 - $1000.00 (depending on the size, type, and

extent of the fracture.)

CT scan of head: $ 200.00

Follow up visits to dr. $ 35.00 - $210 (maximum of six per injury)

Physical Therapy $ 35.00 - $350 (maximum of ten per injury)

________________________________________

Total pay-out: $2,380.00 (I chose $300 as the fracture benefit)

This money would paid in a check to the policyholder (the mother) to use for whatever she wishes; rent, mortage, groceries, co-pays, etc.

Please also note: There is by no means a comprehensive explanation of the Accident Policy. It offers many other benefits I didn't mention here (such as surgical benefit, accident life insurance, ambulance benefits, etc.)

In some states, the Accident Plan pays a 'Wellness Benefit" after 12 months of paid premium, and every policy year thereafter. The wellness check can be from $50-and up depending on the state when the policyholder or a member of the family listed on the policy gets their annual physical.

The accident plan's premium varies by state and industry, an approximate cost for a single family would be $9 a week, deducted pre-tax.

Some companies will allow the named insured to be excluded as a driver. Remember that an exclusion means that you will not be allowed to drive the vehicle and if you do then there is no coverage at all if a claim occurs. You will also have to have anyone who is going to drive the vehicle listed on the policy as a driver. You can't have a policy without a driver listed on it.

not if you live in the state of Florida but the vehicle you operate has to have insurance. i.e. who ever owns the vehicle is responsible for insurance.

If a child has a driver's license, the child has to be listed as a driver somewhere on an insurance policy. The child can have their own policy and then the parents rates would not go up. Usually it is less expensive for a child to be listed on a parents policy rather than getting their own policy. If the child truly is not driving a household vehicle than the only way for that child to not be rated is to turn in the driver's license. That should be fine since the child "isn't driving anyway". The child can still get a state I.D. that isn't a driver's license.

If the child isn't going to drive there is no reason to list them. The previous is correct, just should have gotten an I.D. and not a drivers license.

It may depend on the country or state. Where I am the insurance company would have no way of knowning if someone in you house got a drivers license without you letting them know.

Seatbelt..or maybe airbag