if any person is on draft would be owner not driver.......it is very typcial to put the body shop on the draft to insure repairs are made....if no lien holder on vehicle, can get draft made to you only........in other words if you have a loan, and NOT going to repair most times, the lien holder would also need to be on the draft, (this is for mo, ks, Iowa, ne)........also this is for first party claims only....
In Massachusetts the answer is YES. If more than one person is going to be driving your car then you have to have the appropriate insurance for that person. The laws do vary from state to state so check with your insurance company.
In most cases, yes, but check with your present insurance agent to make certain.
Generally anytime they check your driving record, prior violations will show up on it.
Your Insurance company will do a check on your driving record. If they haven't said anything I wouldn't bring it up and increase your rates. Let their latency be to blame.
Check your insurance document. Each insurance company has different rules about unconventional acts such as driving on frozen lakes.
The person driving the vehicle. You borrowed the vehicle so any damage is your responsibly to fix. In almost all cases your insurance covers you if you must borrow another car. Check with your insurance company to be sure.
There is no way they can tell how fast u are driving unless they are in the car with you :P
No, the insurance company when settling the claim will have you sign a waiver of damages for their insured before giving you a check.
In many cases the insurance company doesn't check your driving record unless you have an accident or some other type of claim. Use the good old rule "Don't Ask Don't Tell". It cost the insurance company money each time they check someones driving record with the DMV. And you know the insurance companies are not interested in spending money, except on advertising that is.
When a speeding citation is given, it is given to the driver... not the owner of the vehicle nor the person (or company) who is insuring the vehicle. Therefore, the driver's insurance and driving record will reflect the charge. If this person was driving a company vehicle (and therefore insurance paid by the company) then the companies insurance policy COULD be affected but not always. The cost of corporate insurance policies that cover multiple vehicle and/or drivers are determined by many factors such as # of vehicles, types of vehicles, company claim history, # of drivers and ages there of. Most companies must report their drivers information to the insurance company which will then check the drivers records which will then allow the insurance company to 'rate that driver' and asses a cost for insuring that driver. Some companies will refuse employ drivers with too many moving violations... or not let them drive company vehicles. I hope the answered your question.
no
Licensce reveals how many points they have previously received and criminal record would show any driving offences.