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Does licensed driver living in home have to be insured even though they do not drive any of the cars?
Wiki User
∙ 14y ago
Under the terms of your Insurance Contract, All licensed drivers in your household and all drivers that have access to your vehicle are required to be declared either as a covered driver or not. If not, then you can request they be excluded from coverage on your policy by way of form 515A.
Failure to disclose a licensed driver in your home is a violation of the terms of your Insurance Contract and can result in voidance of all coverage.
Bare in mind that once excluded the driver will have no coverage under your policy for any accident if they do for some reason drive the vehicle.
Wiki User
∙ 14y ago
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Is a non licensed driver insured?
Yes and No. No insurance company will ever insure an un-licensed driver. However, if a non-licensed driver is in an accident, where not at fault, with another driver who is insured, that insurance may still cover the injuries of the non-licensed driver. This is very tricky, though. Some states have a type of fault where if you were partially at fault for the accident as well, you may have your damages reduced by the % you are at fault; other states will determine that if you are 50% at fault, you get nothing. So, if a state were to determine that you being un-licensed to drive was worth 50% of the fault (that is, you should never have been there for the accident to occur at all), you might not get any coverage whatsoever. So, it depends on whether or not (and to what extent) you were at fault, and what your particular state's policies are for liability.
What happens if you are in an accident with an unlicensed driver?
Most cases you get jailed if the accident is severe. If its not too much you get a ticket for driving without licensed driver. Depends on country to country though
Where can you rent a truck to take your cdl driving test?
Penske or Hertz. You'll need an actual licensed driver to drive it to your test, though.
Can you Have A Registered car but have someone else on the insurance?
Only your insurance company can answer that - mine does... I have insured vehicles that were not in my name and insured vehicles in my name for other drivers - Geico... I have also loaned vehicles that were in collisions and they still covered them even though I did not specifically "add a driver".
What companies will write car insurance for a driver that was not previously insured?
Most of the major insurance companies will insure a previously uninsured driver. Your premiums will probably be higher though at least for the first year until you get some insurance history under your belt.
What happenes if you hit someones car and they live the scene because they have no insurance.?
You prey that the other driver doesn't find out that even though he was not insured, you and your insurance co. are still liable for all damages. You still need to report the accident to your insurance co, though.
If you co-sign a car lease can you get sued even though you aren't on the insurance and the person gets into an accident?
Yes, the owners of the vehicle (and driver of course) are the ones sued, it has nothing to do with who is the named insured on the insurance policy.
What happens if your a juvenile driver and has 2 tickets?
It depends on the laws where you live. As long as the juvenile is a licensed driver, if you pay them you should be fine though the offenses will probably be on your record for a while. There is a limit in most jurisdictions of how many tickets you can get in a certain amount of time or your license will be suspended.
If you have your Queensland learners permit and a licensed driver in the car can there be other passengers such as your friends in the backseat?
i think so. or though im not exactly 100% sure i know your allowed family members in the back seat with you
Is any licensed driver automatically covered by your insurance policy if the car they are driving has coverage Even if they are not listed as a driver on the policy?
Generally yes, but you have to check your policy for specific limitations. Watch out though. In California at least, if a driver is not specifically listed on the insurance policy, the coverage drops to state minimums (15/30/5 in CA).
Can you be on your wifes home owners insurance even though you are not on the deed or loan?
Yes, The insured can add a spouse to the policy as a co-insured. You don't have to be on the deed.
Can a fully insured driver deliver an uninsured car to you?
It would be better to tow or trailer the vehicle but otherwise I would say that this would work from a legal standpoint. That's not to say though that a legal nightmare wouldn't unfold if there was an incident.
