If your commercial policy on business vehicles is cancelled for a DUI where can you find coverage for other drivers of your vehicles?
Answer . No they won't cancel you, but there will be a surcharge added, and the best thing that they could do to ensure your coverage is to ask for your teen to be "EXCLUDE…D" from the policy with a signed agreement. That means he/she may NOT ever drive the vehicle as long as they live in your home or otherwise. DO it! It's worth it! Teach em' a lesson.
Why does minimum coverage for a 93 Saturn SC2 cost 12 times as much as the other 2 vehicles on an insurance policy when you drive it the least?
Answer . Check with other insurance companies to see if the rates would be any different. It might be related to the primary driver being under a certain age, it might be a… matter of their risk tables indicating that a "sports" car is far more dangerous than a sedan, and after all, the SC stands for "sports coup". You and I know that a Saturn SC isn't that much more peppy than an Ion, but don't try to talk to insurance companies. Just get prices from other places.
If you are listed under your boyfriend's auto policy as a driver can you add the car you own to his auto insurance coverage or does he have to own the vehicle?
adding yourself to his insurance . \nIf you are listed as a friver you should be covered under his insurance which means you should be able to add your vehicle as wee.
Answer . The collision coverage specifically covers the repairs to your vehicle, regardless of fault.. If you are at fault for instance, your car would be repaired, but yo…u would be responsible for the deductible cost.. If you were NOT at fault, your repairs would be covered fully, and at no additional cost of the deductible.. Answer: . A means of protecting your auto from damage stemming from an accident between the insured and another vehicle and/or object. .
Can Person Injury Protection coverage be denied to the passenger if the driver of the vehicle was an excluded under the policy?
Answer . The passenger must first look to his or her own PIP (or no-fault) coverage for medical/wage loss/replacement services coverage. If the passenger does not have in…surance then he or she looks to his or her household: does the passenger live with someone with auto insurance? If yes, then the passenger is covered by the resident relative's PIP. \n. \nThe driver's insured status does not dictate the passenger's status. However, if the driver is "an excluded" - I take it you mean he or she was not named on the policy as a driver - the passenger may have difficulty bringing a liability claim.\n. \nDid the driver have the owner's permission to use the vehicle? If so, then he or she would be covered as a permissive user. However, if the driver was a young driver resident of a household - a kid using mom and dad's car - and the parents did not tell the insurance company there was a chance the kid would use the car - then you may run into coverage problems. Sometimes people try to save money by not listing a young driver on the policy. The insurance company can deny coverage in that instance.
Your uncle was driving a vehicle that is in your name and was in an accident The other driver hit him He has no insurance on the vehicle although he bought it from me. My policy is expired?
The driver who caused the accident is at fault. However, since that person has no insurance, you would have to sue them in court for damages. Chances are if they have no money… for insurance they also will not have any money to pay a court fine or court ordered award to you. Since your policy expired, the total accident then becomes No Fault/No Fault for both parties and everyone walks away sustaining their own damages and the methods for financing their own repairs.
Why do you have to carry commercial coverage on your vehicle when your employer has an umbrella policy even if you are reimbursed for milelage?
If you are using your personal auto in the course of business/in the course of employment, then you need to contact your insurance company. The reason for this is that the veh…icle usage is CHANGED now, so the parameters they used to extend the offer of policy to you have now changed. Additonal concerns would arise if you were to injure someone while driving your own vehicle, but at the direction of and in the interest of your employer.. The reimbursement for mileage has nothing to do with your insurance coverage. Mileage reimbursement is primarily intended to partially 'reimburse' you for wear and tear on your vehicle. Your company also most likely reimburses you for gas usage or provides a credit card designated specifically for gasoline purchases.. Additionally, it is highly likely that your employer's umbrella policy does not cover your personal auto. The carrier for their umbrella policy is not interested in managing coverage on a potential fleet of vehicles not owned by the employer, which is exactly what they would be doing. The umbrella policy is likely in force for other types of injury/damages to others, caused by the company's activities.
Can you be sued if the driver of the other vehicle don't have a driver's license and you have full coverage?
Automobile Insurance follows the vehicle....not the driver. This said, in some cases, accidents can result in litigation in which the driver's insurance policy can also have a… claim filed against it. These cases usually involve more serious accidents such as vehicular homicide and DUI. A good rule of thumb is.....you loan your car then you also loan your Auto Insurance Policy. Therefore, if you loan your car to your good old buddy or to your girlfriend or boyfriend and they total your car and cause property damage/ bodily injury......the claim is filed against YOUR auto insurance policy. Also, if you have anyone in your household, over the age of 16(regardless if they are licensed or not), you should disclose this to your insurance company. Some policies EXCLUDE drivers not listed on an Auto Insurance Policy. Don't wait until claim time and find out that you are now financially responsible for somebody elses accident!
What phrase best describes a commercial automobile insurance policy that provides coverage for all business vehicles without having to notify the insurance company every time a vehicle is added?
A rolling inventory. You would need to report the vehicle list to the carrier on a predetermined basis (monthly, quarterly, or annually). They would charge you premium based u…pon your estimate and then after each report they would credit or invoice you for differences from the estimated count.
That depends on the laws of your state, and the Gross Vehicle Weight Rating of the vehicle will likely also come into play in determining this.
No. Your personal auto Insurance Policy provides NO coverage for Company owned or commercial vehicles.
Sure you can. If you sell a vehicle or it is no longer operable for whatever reason you can delete the vehicle from the policy. You just contact your agent or company and they… will assist you in taking the vehicle off the policy.
One can find business insurance for vehicles or commercial auto insurance at a variety of insurance providers. Some of the companies that offer commercial auto insurance incl…ude Progressive and Allstate.