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You are insured as a second driver if you have an accident will you be covered?
As long as you are listed as a driver on the policy and an accident occurs in a covered vehicle, then yes you will be covered under the terms and conditions of the policy just as any other driver on the policy.
What does principal driver on automobile insurance policy mean?
The principal driver is the person who drives the vehicle over 50% of the time. This is the main driver of the vehicle and the person who will be rated as the driver for computing the cost of the insurance.
Can you drive a car if you are a excluded driver but you have your own insurance policy on a different car?
If you are excluded as a driver on a policy that means that no coverage for any type of claim will be paid on any vehicles on that policy. It also means that the insurance company will not pay for anyone else's damages caused by the excluded driver. Excluded mean no coverage at all.
What is a deferred driver in Massachusetts?
A deferred driver is a listed driver who has a policy elsewhere and therefore is not used in the rating of the policy from which they are listed as deferred.
If your daughter does not live with you can she drive your car if you have more than one car in your insurance?
If your daughter does not live with you but drives your vehicles then she is still required to be listed as a driver on your policy. The policy states that all household members and regular drivers must be listed. A regular driver is anyone who drives your vehicles sometimes. This does not mean you can add a car titled to her on your policy even if she is listed as a driver but she is still required to be listed as a driver on your policy. If she is an adult driver it probably won't cost you anything anyway.
Is there anyway of getting really bad driver off your insurance policy?
Are you asking if the insurance can kick off a bad driver? Or are you asking if you can have the insurance policy dropped on a person? For the first one, I think if they really wanted to, they could drop you. But my guess is the company would just charge the bad driver horrible rates... And for the second question yes, you defiently can have someone removed from the policy. (i guess it does depend on policy though)
What does an insurance cancellation policy mean?
You either are a horrible driver or you didn't pay your bill. Or something else..
If you loan your car to a friend and they wreck your car is your insurance responsible?
yes. plain and simple. you lent the car and then they are a permisable driver. As long as they are not n excluded driver or a resident in your house. It depends, if your policy is a named driver & the driver is not named, your policy will not respond. If your policy is a standard auto policy then yes, your policy will respond.
Are you covered if your boyfriend crashes your car?
Is your boyfriend listed as a driver on your auto policy? Does he live with you? If you do not have him listed as a driver on your policy and he is a regular driver or if he resides with you he must be listed as a driver on your policy. This is a part of your policy terms. If you do not abide by the policy terms the company can deny the claim due to material misrepresentation. This means if you lie to them they don't have to pay the claim.
Does insurance cover a minor driver who is not on your policy?
If they are not on your policy then they are not covered.
Can a named insured be an excluded driver on an automobile liability policy in New Mexico?
A named insured person can be an excluded driver on an automobile liability policy in New Mexico, if the policy holder wishes to remove a driver from the policy. The policy holder will have to notify the insurance company to make the changes.
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).
