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Will the parents' liability insurance cover a minor child who has not been added to the policy.?
Wiki User
∙ 17y ago
Liability insurance usually follows the vehicle not the driver. (unless the driver was specificly excluded in this case it cant happen because he's your son). As long as the car was insured and he was given premission to drive it, the insurance will be valid in court * Not necessarily. Insurance coverage varies greatly when it pertains to minors living in the household of the insured. If one is lucky enough for it to apply you may be certain that premiums will significantly increase.
Wiki User
∙ 17y ago
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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.
Do you provide professional liability insurance?
Sure. Depending on your occupation professional liability can be added as a rider to a businessowners policy. Often times professional liability will be a separate policy. I recommend that you contact a good independent insurance agency that represents several insurance companies so they can find you the best policy for your needs at the best price.
If you have a permit do all insurance companies require you to be added to your parents policy?
NO!
Is tenant's legal liability coverage the same as Commercial general liability insurance?
NO Totally seperate policies, tenant legal liability can be added to bops, general liability can be found within a bop policy, but they are different coverages. Work with your broker to understand what insurance coverages your company needs and why.
Will auto shop liability insurance pay for tools if stolen?
A Garage policy can have many different kinds of coverage added to the policy. You can certainly add coverage for tools and equipment to be covered under the policy.
Can you use your parents' insurance policy to cover a car that's in your name?
Insurance Coverage on a Parents policy? Yes, So long as you are also listed by name as a covered driver on your parents Policy and your parents have an insurable interest in your vehicle. If you are a minor or a dependent still living at home then you might be able to get insurance cheaper through your parents than you could seperately. You "by name" would need to be added along with your vehicle to your parents policy to be an insured driver.
If a 17-year-old has his own insurance in North Carolina will his parents' insurance premiums go up?
That depends on weather or not your 17 year old has their insurance on the parents policy. It will go up if the child is on the parents policy, but if the child has their own policy, it won't. But it will be cheaper if the child is added on to the parents policy. My husband is a North Carolina State Trooper so I know alot about insurance. Also, call around and go online for the cheapest rates.
Do you need to be added to your parents auto insurance policy when you have a learners permit?
Have your parents contact your insurance agent as soon as you receive your learners permit. Most companies require that you be added to policy as a driver. Most companies don't charge an extra premium for drivers with learners permits but do want them listed.
Did commercial general liability insurance replace comprehensive general liability insurance?
There is no such thing as a "comprehensive" general liability policy. It is "commercial" to differentiate it from personal-lines coverage. It is commercial general liability policy, or CGL; a generally standard group of coverages, exclusions, limits. This is different than a manafest policy where commercial coverages are added in a customized fashion. A comprehensive policy would be one where a business owner (BOP) might purchase with a pre-set group of coverages, exclusions, and limits. Thanks Actually, the term "Comprehensive General Liability" was replaced in 1986 with the term "Commercial General Liability." They are essentially the same policies.
What does it mean if General liability insurance cancelled due to exposure change?
A change in exposure generally indicates that the insured is engaged in business operations that are outside the scope of the policy issued. In simpler terms, the insurance is inadequate for the exposure. For example;, You have a roofers insurance policy for residential roofing exposures, but you have recently added commercial roofing to your company offering, This would create an exposure change that you would need to have added to your insurance policy. failure to update your policy with appropriate coverage could result in cancellation of your policy.
If a young adult gets a ticket before being added to their parent's insurance will the parents insurance rate go up when the child is added?
If you normally drive a car belonging to your parents then you should be added to their insurance policy. Many policies now contain language that may allow the insurance company to deny coverage if a driver is not listed in order to obtain lower rates. I usually recommend that they title the car in your name once you reach eighteen and that you have your own insurance. This prevents the attorneys from suing them if there is an accident. If you are added to their policy it is unlikely that they will tell your parents about the ticket. The rate will just be slightly higher.
Can friends be added to health insurance?
No. Only legal dependents can be added to your health insurance policy.
