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What are the rules about auto insurance coverage if the primary driver is not named on the insurance policy?
Wiki User
∙ 17y ago
The Rules are that the primary and all other drivers be named on the policy, Otherwise one might think there was an attempt to conceal the true nauture of the risk or otherwise defraud the Insurance Company. Concealment and Fraud, could void all coverage on your policy.
Wiki User
∙ 17y ago
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Can the driver at fault file a claim to his own insurance for bodily injury under his uninsured motorist portion of his policy if he was driving a friend's vehicle who had no insurance coverage?
No. Insurance follows the vehicle primary, driver secondary. Since the driver is at fault and there is no coverage under the vehicle itself, the drivers policy would pay for any bodily injury or property damage he may have caused. Therefore uninsured motorist coverage would not apply. The only way that driver would have coverage for himself is if he already had Med Pay coverage on his own policy.
If you are a passenger in an uninsured driver's vehicle does that mean that you are not covered either if he has an accident?
If you mean are your medical bills covered -- and assuming your state requires medical coverage on auto insurance policies -- then, no, you wouldn't be covered by any policy of the driver's since, of course, no policy exists. However, if you have your own auto policy, that policy would then become primary. After that, your health insurance would be primary. Unfortunately for the uninsured driver, if you do have to go through your own health insurance, there's a big possibility that they will go after the driver for any payments they make, particularly if a driver is legally required to carry auto insurance in your state (again, insurance that included medical coverage).
How is a theft of a vehicle work when there are two insurance policies?
The policy with the broadest scope of coverage is primary. The other policy with less coverage would be considered secondary and does not invoke until or unless the coverage from the primary policy is exhausted.
If you are the primary insured driver of a leased vehicle what additional coverage do you need for one extra driver?
The extra driver needs to be added onto the insurance policy. Having someone drive a vehicle and not having them on the policy can be a large problem if an accident were to happen.
Can you stack an insurance policy when the driver of the motorcycle is at fault and the injured party med bills exceeds BI portion of policy can the policy be stacked for the underinsured portion?
Yes, that is the primary function of underinsured motorists coverage.
If you are at fault in an accident while driving your friend's car whose insurance will cover it?
In most states, insurance follows the car. The policy in effect for the car is usually primary regardless of who was driving. If there are limits issues or coverage issues, then the policy held by the driver may apply as secondary coverage.
Do you have to be added to your parents insurance policy if you are primary driver of one of their vehicles and you have insurance policy of your own?
yes, simple as that.
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.
Who pays when driver is not the car owner but has car insurance?
Usually the insurance policy of the owner of the car is primary and then if the driver of the car has a policy of their own then it is secondary.
I let a friend drive my car and they had an accident whose insurance pays?
If your friend was at fault- then your insurance policy will pay first. Always remember the insurance follows the vehicle, NOT the driver. If the costs of the accident exceed your policy limits, your friend's policy will respond next.
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).
If one is the primary driver for the car in terms of insurance but does not possess the title for the car is the insurance valid?
It is if you are listed on the policy as a driver.
