If you have a minor driving your vehicle without having them listed on your insurance policy, then the insurance company will most likely deny any and all coverage if they should ever have an accident in the vehicle. You are not paying for insurance for them to drive the vehicle, so why should you expect them to pay the claim? You policy states that you agree to notify the company of all drivers and by not doing that you have committed material misrepresentation which means you broke the contract. If you broke the contract they are not liable to keep their part of the contract.
He has no coverage. Unless the minor gets insurance elsewhere. He would likely be covered as a permissive driver of the friend's car, under the friend's policy.
As the driver is a minor child, the Custodial Parent or other Custodial Entity is Financially Liable for the acts of the minor child. An auto accident may or may not be covered under the Custodians Auto insurance Policy depending on whether the child is covered or excluded from coverage on that Policy.
Check your Home owners insurance policy for Liability coverage. If you have liability coverage on your policy, you have coverage for your liabilities for certain kinds of accidental damage to the property of another, but it really depends on the circumstances and nature of the occurrence. Illegal or intentional acts are typically bot covered. Contact your insurance insurance agent for specifics.
If they are not on your policy then they are not covered.
It depends on who fell and why. Homeowners Insurance is Property InsuranceHomeowners Insurance may sometimes provide a very small amount of coverage for minor household related injuries for the named insured.Visitor injuries would be subject to home owners liability terms.Major Medical insurance provides comprehensive coverage up to the policy limits regardless of where a personal injury occurred.It's much better to handle it with your medical insurer.Answer.homeowners
Yes, you can have your own auto insurance policy. If you are a minor though, you will need your legal gaurdian to countersign your application for insurance coverage.
This will depend on the kind of health insurance your parents have. Some health insurance may cover pregnancy while others do not. You will need to contact your insurance agent and ask them about your family coverage.You should also have a insurance booklet that states what treatments and doctor visits are covered and what is not covered.
The difference between regular health insurance and major health insurance boils down to coverage. Regular health insurance covers basic procedures such as check ups, minor illnesses and minor injuries. Major health insurance is purchased when one wants coverage for more serious health conditions such as broken bones, serious traumatic injuries and cancer treatments.
Actually, this will be covered by your insurance co.
None. Homeowners Insurance Policies do not provide coverage for liability incurred while engaged in a criminal act. Homeowners Insurance provides property protection for hazard losses caused by covered perils and may offer protection from certain liabilities incidental to home ownership.
No, That's what Medical Insurance is for. Homeowners insurance is "Property Insurance", not personal injury or medical insurance. Home insurance usually come with a small amount of medical coverage, (500 to 1k dollars) for minor household injuries. Contact your insurance carrier to determine if you have this coverage. Most home insurance policies also carry liability coverage in the event you are held liable for injury to a third party. The named insured can not be liable to themselves.
The claims department will be concerned only with the status of the policy at the moment of the accident. Other than that, it will not come into play. Any delay would be very minor (as long as it takes someone in the coverage dpt to determine that there was coverage on the date of loss). However, if the insurance was lapsed on the day of the accident, this will, of course, cause there to be no coverage for the accident.