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It is a policy that you can purchase that covers you and not a specific vehicle. The majority of times, this is used when you are forced to have coverage by a government.
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Can a named driver still drive on a banned drivers insurance policy?
Yes, most states allow drivers to be excluded.
Is a named driver still covered on a banned drivers policy?
To be on the safe side, check with the insurance company.
Will liability auto insurance policy cover a person driving your car if they have an out of state drivers license or an expired license?
It depends on why they were driving your car and on what type of insurance you bought. If you bought the cheapest coverage, usually a limited or named driver policy then there is no coverage for anyone other than those named drivers listed on the policy. If the driver was a known driver that you failed to disclose, "concealed drivers" when you bought the policy, again there would be no coverage regardless of policy type due to fraud. If your not sure about your coverage just call and ask the company or contact your insurance agent for clarification.
Do you have to be on the car insurance if the car is already insured?
Auto Insurance provides coverage for losses and liabilities of the drivers named as covered on the policy.
Can a named insured be an excluded driver on an automobile liability insurance policy in Arizona?
Yes as long as the named insured is not a spouse, or if the spouse does not drive and does not have a drivers license the spouse can also be excluded.
Does texas liability insurance cover a person driving your vehicle that has a out of state drivers license. What about if it is EXPIRED and OUT of STATE?
It depends on why they were driving your car and on what type of insurance you bought. If you bought the cheapest coverage, usually a limited or named driver policy then there is no coverage for anyone other than those named drivers listed on the policy. If the driver was a known driver that you failed to disclose, "concealed drivers" when you bought the policy, again there would be no coverage regardless of policy type due to fraud. If your not sure about your coverage just call and ask the company or contact your insurance agent for clarification.
Can you have a car in your name with no license but some else driving it with a license and insured on it too?
Some insurance companies will allow the named insured to be excluded depending on the reason. The policy would need to be in your name if the vehicle is in your name. Any drivers must be listed as drivers on the policy but not as the insured.
What are the rules about auto insurance coverage if the primary driver is not named on the insurance policy?
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.
If you have insurance on your car can someone else drive it?
It depends on the policy in the USA. In most European countries only named drivers can drive a car regardless of insurance policy - rental cars are the exception for obvious reasons.
Will the driver's insurance pay if the owner of vehicle gave him permission and he totaled the vehicle and the owner was injured and hospitalized and the driver was also arrested for DWI?
This Depends on the type of insurance policy. A standard Auto Insurance Policy will most likely pay for permissive use so long as the driver was not excluded from the owners policy, and was not committing a felony at the time of the accident. If the Owner has a Named Driver Policy ( AKA: Drivers Policy, Non - Owners or an Operaters Policy ) then it will likely NOT pay for the drivers accident as it only covers the driver named on the policy. It will probably pay, then promptly cancel. Getting insurance just became very expensive.
What if your drivers license number brings up an auto policy you do not own?
A drivers license shouldn't pull up an auto policy.
Is there a benefit to having all drivers in the household listed as drivers on a policy?
no not really
