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Does full coverage insurance cover any damages to our first vehicle if hit by our second vehicle driven by spouse?
Wiki User
∙ 15y ago
yes it would if you are under the same insures
Wiki User
∙ 15y ago
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I let a friend drive my car and they had an accident whose insurance pays?
If your friend was at fault- then your insurance policy will pay first. Always remember the insurance follows the vehicle, NOT the driver. If the costs of the accident exceed your policy limits, your friend's policy will respond next.
If a vehicle has no insurance but you have fully comprehensive cover on another vehicle is the non insured vehicle covered to be driven?
If it's your vehicle then no. You have to add the other vehicle to your policy, otherwise it is not a covered vehicle. If it's a temporary replacement vehicle then coverage may be afforded under your own auto insurance policy.
Is it mandatory to register an uninsured vehicle sitting in a driveway in Florida?
If the vehicle is not being driven you are not required to have insurance. Many people however, do still carry, comprehensive coverage on the ''parked or garaged'' vehicle. This coverage protects you from theft, weather, fire, vandalism etc.
Does a car have to have insurance to just be parked outside my house?
No, as long as the vehicle is not driven. But if something happens such as a tree falls on it, you would have to pay for the damages out of your own pocket.
Can you still contact your full coverage insurance company to repair damages to your car if the accident occurred a year ago?
Sure. It certainly frowned upon, because often if you don't repair the damages to a vehicle, further damages can occur (frame damage, for instance, can mess up a car pretty badly if driven on for a year after the accident). Your carrier will make a note of it to their underwriting department, and depending on the seriousness of the damages or whether or not you mitigated your damages (ie, didn't incur further damages), it could affect your policy. But...at the time of the accident, if you were paying premiums for coverage on your car, your carrier is contractually obliged to take care of those damages. Just don't be surprised if they won't cover additional damages that resulted from not having the vehicle properly repaired right after the accident.
Will a finance company accept storage insurance instead of full coverage if the car is never driven If so how much cheaper is storage insurance compared to full coverage?
They will probably demand full coverage on the car whether you drive it or not. The storage insurance should be quite a bit cheaper than if the vehicle were actually in use on the streets, etc. Check with your finance company and your insurance agent.
Who is responsible if your under age daughter wrecks even though you have nothing to do with the car or insurance?
This really just depends on the factors involved.The driver in an at fault accident is always the primary responsible party, however, the vehicle owner is jointly and severally liable for all resulting damages and injuries. So long as your daughter was driving with the owners consent whether direct or implied, the auto insurance coverage on the driven vehicle should pay for the damages as it is the responsibility of the vehicle owner to have the desired appropriate coverage.If the vehicle belongs to another person who allowed your daughter to drive then in the case of a minor, the vehicle owner is liable for the cost of damages and injuries under permissive use rules.If the vehicle belongs to your minor daughter, even if she purchased it without your knowledge or you allowed her to drive the vehicle, then the Legal Guardian or parent is considered legally liable for the costs of damages and injuries.Happy Motoring
Who is liable for the damage if a car which is registered to a dealership rear ends another car then leaves the scene and is abandoned?
If your in Ontario: The driver of the car that rear end another vehicle is always liable both criminally and civily. In your scenario, the driver left the scene of the accident, this is known as failing to remain and is a criminal offence in Canada. If the car was abandoned, you can bet it was probably stolen. Stolen vehicles are not subject to the registered owners insurance. Basically your insurance coverage will provide for your vehicle. And the dealerships insurance will cover damages done to the dealerships vehicle. Now...if the driver of that vehicle is found he would be charged with the above, and in addition you can file a lawsuit against him for any injuries. (your insurance company will definitely sue the driver to recoup there losses for the vehicle damages) If the vehicle was not stolen, but being test driven ( you have a really stupid driver) then the dealerships insurance will cover the damages. However, your insurance company will front the bill for damages and get reimbursed by the dealerships insurance company pending the result of a police investigation. This is known as no fault insurance. Other provinces in Canada have there own laws regarding insurance and liabilities. The same with the U.S.A. KeVin Toronto
Car age or mileage when to consider auto liability insurance?
The age of the vehicle is not a factor in liability coverage. The number of annual miles driven is a factor. This is because the risk of an accident occurring increases in proportion to the amount that the car is driven.
Will your car insurance cover your daughter if she has an accident?
Car insurance is designed to cover your vehicle should you need to allow someone to use it. There may be some difficulties with coverage if it is being primarily driven by someone who isn't rated on the policy.
Does homeowner insurance cover damage to uninsured car in garage?
Sure, if the roof falls on it, or there's a fire. But it won't cover anything that happens on the road. Check in with your insurance agent. Most homeowner policies exclude damage of any kind to automobiles.
Do you pay for damages to a neighbors car from backing it out of the driveway to gain access to your car even though he gave you the keys but claims that you drove it without permission?
No. If you have a witness who will state that the neighbor give you the keys, told you the location of the keys, etc. then his own insurance policy will have to cover the damages. If you are frequently in the neighbors house and know where the keys are located or have ever driven the vehicle in the past with permission, it would be considered 'implied permission' and the neighbor's policy will cover it. If, however, the neighbor does not have collion coverage on his own policy and you damaged his vehicle in this manner, AND you have collision coverage on your own policy, it's most likely YOUR insurance company will cover his damages over your deductible. The insurance company will not get involved in who is responsible for the deductible - you and the neighbor would have to work that out. My suggestion would be to pay the deductible to prevent him from taking you to small claims court.
