Status as an insured on an auto policy is generally tied to a specific auto that is insured under the policy. That is, unless you are named on the policy as an authorized user of the vehicle, you will not have coverage.
Non-owners coverage is a type of auto insurance that "follows you", in that it provides coverage regardless of the car that you are driving, and which presumes that you do not own a vehicle. Since your car was "totalled", until and unless it is repaired and you get a "rebuilt title" for it, you fall into the category of not owning that vehicle any longer.
Yes. Collision coverage pays for damage to your vehicle, minus the deductible, regardless of who is driving it. Also, if you loan your vehicle to someone they are considered a permissive driver and you are liable for damage they cause in your vehicle even if they have their own insurance. Insurance always applies to the car not the driver.
Not at all. Many agencies, like insurance companies, have total access to your driving history.
The fines and associated punitive fees for driving without insurance are determined by your jurisdiction. In Texas total fines and associated fees including Drivers License Re-instatement fees total just over $900.00
Fines and fees total about 900 dollars as of 2008
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.
If the other driver was found "at fault", his insurnce company should pay the total repair including deductable
I was driving my truck and towing a U-haul are transporter with my minivan on the transporter. I was involved in an accident. I have total coverage on the truck but only collision on the van. My insurance covered my truck and the damage to the uhaul but not to my van. Hope this helps some
yes the insurance company will come after you to pay the bill they used in fixing their driver's car. the point i do not know is that, are you responsible to pay the deductible or pay the total, what are this insurance people for anyways, they only make money they do not spend money... try talk to and insurance agency and see if you are to pay a percentage of the money or all.
It depends on your coverage. Is there an age limit exclusion or an exclusion for a specific person. If you policy excludes anyone under 21 and you grand-daughter was 18 then it is not covered.
Total abstinence is just that. Any alcoholic beverage consumed is a violation of the agreement not to drink alcohol. If this is a parole violation or a violation of the agreement between you and the insurance company you deal with, it does not matter if you were driving or not.
There are over 600 courts in India. There is one supreme court, 24 high courts and a total of 600 district courts.
It will remain on your drivers record as a permanent part of your total driving history, however insurance comapnies may not be interested in it beyond a certain number of years.