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If your spouse was not listed on your policy and had an accident in your vehicle that has full coverage does your policy cover repairs on it?
Wiki User
∙ 8y ago
Your auto insurance automatically covers all family members that live in the household. However, by not listing your spouse as a driver you have not disclosed all the licensed drivers in the household, which is one of the questions on the application. Since the premiums you have paid did not reflect all the correct information, the insurance company may back charge you premium for not having him/her on the policy.
Wiki User
∙ 8y ago
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As the registered owner of a vehicle with insurance what happens if your son is involved in an accident with your vehicle if he lives with his mother and is listed on her policy?
I am an Insurance Broker - dependant upon where you live, your son's accident will be covered, either by your policy (considering you have adequate coverage, or his mother's, considering her coverage) Here in Canada, no-fault allows our own insurer to cover the vehicle, no matter the driver.
What is the name of a company like Carfacts?
CarProof, and CarFax are both companies similar to Carfacts. They each carry a history of vehicles, and any repairs resulting from an accident are listed. The previous owners, and regular service performed on the vehicle are also listed.
Do you have to live with your parents in order to use their insurance coverage in an accident?
You do not have to live with them as long as you are listed on the policy.
What does vehicle property damage insurance cover?
The property damage coverage is a part of the liability coverage and provides for the repair, replacement, or payment of the actual cash value of another party's vehicle if you hit the vehicle and the accident is your fault. There is a maximum amount available per accident listed in the declarations page of your insurance policy.
What does stacked uninsured motorist coverage mean?
Uninsured motorist coverage is usually listed in ways such as 10/20, 25/50, etc. That means $10,000 per person, $20,000 max per accident. This coverage is for each vehicle on the policy. If you stack the coverage and have 2 cars, you can collect the coverage from both vehicles on your policy if you have a claim (therefore doubling your coverage--$20,000 per person/$40,000 per accident). If you have 3 cars, you collect from all three vehicles (tripling coverage). Unstacked means separate and you only collect from the vehicle you are in at the time of the accident. Stacked coverage is more expensive, but is a great way to get additional coverage for a relatively small increase in premium. If you only have one car--you want to choose unstacked. Otherwise you pay more with no additional benefit
If a Father has motorcycle insurance on his motorcycle and his 19 year old son is not listed on the policy and drives the motorcycle would there be coverage if the son has an accident?
No, there will not be any coverage for the son as he was not listed on the policy and not paid the premium.(The coverage is for accidental damages to the driver). Bhanu
How do you find vehicle owners car insurance if the vehicle was being driven by someone other than the vehicle owner?
The owners name and address should be listed on the accident report as well as the driver of the vehicle and who was at fault in the accident.
You were rear-ended by a uninsured driver in an insured vehicle whose policy owner does not live in the same address Can you use uninsured motorist property damage coverage from your insurance company?
Well, first of all, you dont need to use your own coverage if the other vehicle has coverage. Auto insurance covers the vehicle even if the driver is not listed on the policy, unless the driver has been excluded from the policy. For example, my friend was visiting from out of state. She borrowed my car to go to the store and had an accident. My insurance still covered the damages even though she was not listed as a driver on my policy.
Do you have to live with your parents in order to use their insurance coverage in an accident i had an accident with rental car my parents insurance would cover?
You don't have to live there as long as you are listed on the policy.
Who is responsible for insurance deductible in an accident of commercial vehicle?
The Company who owns the vehicle would be responsible for deductibles listed on the policy their own policy.
Is there a charge by a lien holder if you do not have insurance on the vehicle?
Of course. The financing agreement that you signed requires you to have full coverage insurance and to make sure that they receive a copy of the insurance with their name listed as leinholder on the policy. This assures that they are paid if there is an accident and that they are notified in case of a cancellation of the insurance. There are laws protecting the leinholder in every state. If you break the contract with the leinholder they have the right to repossess the vehicle as well as the put what is called forced place insurance on the vehicle. This insurance protect the leinholder's interest only in case of an accident or damage to the vehicle. This coverage is physical damage coverage only and does not include liability or any other coverages and the premium is very high. The premium is charged to your loan account.
Is an off duty soldier getting drunk and hitting a light pole with his Personal vehicle an army accident?
No. Because:You were off-duty.You were illegally driving a vehicle while intoxicated. That wouldn't even be listed as an accident if you were drunk, on duty and driving a military vehicle. Being drunk is not an accident.
