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If you are on your parents' auto insurance policy but living in a different house are you still covered on their policy for an underinsured claim from an accident in which you were the victim?
Wiki User
∙ 17y ago
Need more info... I'm assuming you have a claim for bodily injury? Why are you living in another house and how long have you been living there? (If it is determined that you now have a separate residence entirely, i.e. not away at college, the insurer will likely NOT deny any claim - that COULD be construed as bad faith - but they can and surely WILL remove you from the policy for any future claims. You said parents' (plural) and not parent's (singular), so I'm assuming your parents are not divorced and not living with one of the parents.
Wiki User
∙ 17y ago
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What are the benefits of getting underinsured motorist car insurance?
There are numerous advantages to getting extra insurance. Aside from greater peace of mind, you can be assured that in the case of an accident, you will be covered more completely.
Do I need to report an accident to my insurance if I had the accident in my husbands car and his policy covered it?
No.
If someone is driving your car and you do not have them on your insurance and they get into accident are you covered?
Although it depends on your insurance, the driver is covered if driving with your permission.
If your husband has his own insurance for his vehicle and you exclude him the insurance on your car will he be covered by his insurance if he was driving your car and had an accident?
You have to list the drivers covered to drive your car on the policy. If not he is not covered.
If a car is stolen and has an accident are the vehicles hit covered by insurance?
no
Who gets paid in car accident?
Everybody covered by the insurance
If you have an accident and then reinstate your insurance are you covered?
If the accident occurred after your policy lapsed and before reinstatement, no, it won't.
Get into an accident without a license will your insurance cover it?
If you are covered by an "Active" auto insurance policy then you will be covered, whether or not you have an active drivers license.
If you agree to an accident settlement with the insurance company can you sue the business that was involved and covered by the insurance provider?
No.
What topics are covered on a car insurance forum?
A multitude of topics are covered on car insurance forms. Some examples of topics covered include the following: how to make an insurance claim and what to do after an accident.
Coverage To Drive?
If you are driving a car in the state of Illinois, then you need to carry insurance on the vehicle. Uninsured motorists can get insurance at affordable rates if they know where to look. There is a minimum amount of coverage that the driver needs to have on their insurance. This amount is not high so that drivers can get insurance coverage at an affordable rate. However, if a driver wants to take a risk and let someone else drive their car, they need to carry uninsured motorist insurance on their policy. The minimum amount for this coverage is $20,000. This covers the driver of the car if they were in an accident and were not covered under an insurance policy. In the event of a car accident and the driver of your car or the other car were not covered under their own insurance policy, the uninsured motorist coverage would protect not only yourself but the other drivers in the accident. The coverage will pay for any medical necessities that are incurred during the accident and any wages that are lost. The coverage will only pay up to the amount that you have on your insurance policy. Anything over this amount will be the responsibility of the driver. If the accident was the fault of the other driver, then their insurance will cover up to the amount listed on their policy and then your insurance will cover the remaining amount. An uninsured policy is different than an underinsured policy. An underinsured driver has insurance, but they may not have enough coverage to pay for the expenses if the driver were in an accident. An uninsured motorist has no insurance at all. The only way that an uninsured motorist can usually drive a vehicle is if there is a family member who has taken out the uninsured motorist coverage on their insurance. An uninsured policy is not expensive to get, but it would be best for the driver to obtain their own policy as soon as possible.
Will my car insurance cover this accident in new jersey?
Contact your insurance provider and go over the policy to determine if you are covered for said accident. Not all accidents will be technicalities or covered, so its good to be in the know. Contact your insurance providers immediately.
