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Can you get your own car insurance even though the car is already insured in the owners name?
Yes, You may have more than one Auto insurance Policy on a vehicle. You can have 2 or even 3 policies on the same vehicle as well as an Umbrella Policy.
It is not uncommon and is perfectly legal to do so. What you can not do however is receive "Double Indemnity". That would be insurance Fraud and a felony offense in the United States. in other word you can't seek double payment from a covered loss or more simply, "you can't get paid twice".
Here is the established Legal precedence on Insurance Policies of all types on all types of property in the United States.
Policy 1 as Primary
When a covered loss occurs and more than one policy exists insuring the same risks. The policy with the broadest scope of coverage is considered the primary Coverage and will invoke to cover it.
Policy 2 as Primary
If the loss incurred is not covered by the first policy and is covered by a trailing policy then that policy steps up to Primary coverage for that particular loss.
Policy 2 as Secondary coverage
If and when the limits of the primary policy are reached or exceeded, the next active policy with the broadest scope of coverage will then invoke and act as Secondary coverage if coverage is afforded for the specified risk of loss.
Policy 3 trailing
If a third policy exists then it will do so in the same order in consideration of coverage scope and specified risks.
If an Umbrella Policy also exists, and this too is common, then it too will follow the exhaustion of any and all previous coverage afforded by active Primary or Secondary or even Third Place Coverage.
It is allowed, It is legal and Court precedence has been well established more than 100 years ago as to which policies will apply and in what order.
What you can not do is seek "Double Indemnity" for any covered loss. That would be illegal and a felony offense in the United States.
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Can you be on your wifes home owners insurance even though you are not on the deed or loan?
Yes, The insured can add a spouse to the policy as a co-insured. You don't have to be on the deed.
If you co-sign a car lease can you get sued even though you aren't on the insurance and the person gets into an accident?
Yes, the owners of the vehicle (and driver of course) are the ones sued, it has nothing to do with who is the named insured on the insurance policy.
Did FRed Astaire have insurAnce for his feet?
Yes he did. Actually he had insurance on his legs and not just the feet though. Keith Richards insured a finger and you can guess what Dolly Parton insured.
Can the beneficiary collect insurance proceeds if the insured collect illegal rebating from agent?
Though paying rebate to insured by agents is prohibited, that does not hinder in the way of getting insurance proceeds.
Can you get insured on your boyfriends insurance?
Yes, they can add you as an "additional insured" on the policy. It could possible make his insurance rates go up though as it will then be considering your age and driving history.
Can you get SR-22 insurance if you dont have a car?
Yes, You can get a non owners insurance policy with an sr22 certificate for filing or you can be added onto someone Else's auto insurance policy and have the sr22 issued for your state The SR22 is not insurance though, it's a certificate (evidence) for your state as proof that you are now insured to drive after some past violation you had.
Can you get a ticket for driving with no insurance if you are pulled over driving a borrowed car that is not insured even though your personal car is insured MN?
Absolutely. You are responsible for making sure the vehicle that you are driving is insured. It does not make any difference that you have other car insurance or even that the owner of the vehicle has other insurance. If there is not insurance on the vehicle you are driving then you are guilty.
What is a matured endowment though insurance company?
A matured endowment is a life insurance policy where the current cash value has become equal to the face amount of the policy. The policy is mature. So, the insurance company issues the insured a check for the face amount (death benefit) even though the insured is still alive.
Do you need to be on the insurance for a car you cosigned for if the other cosigner has full coverage?
If the vehicle is insured and you do not ever drive it you wouldn't be required to be listed on the policy as a driver. Most companys though may want all 'owners' listed, for numerous reasons.
What is it called when one insurance company is repaid by another insurance company?
Subrogation, It's basically when an insured's insurance carrier pays for the damage done to their vehicle, even though it was the other parties fault. The insured's carrier will then go after the other parties carrier for reimbursement.
What is the difference between insurance agents and brokers?
An insurance broker differs from an insurance agent in that a broker is considered an agent of the Insured even though he or she may receive a commission from the insurance company A broker may sell the products of a number of insurers whereas an insurance agent has the Insurer as his principal and works in the interest of the Insurer and not the Insured
Who is responsible for a car accident the car owner or the person the insurance policy is under and the car owners friend is driving owner insured owners friend?
The people responsible for an automobile accident are those who are operating the involved vehicles at the time of the accident - unless the cause is mechanical failure or some other event outside the control or any of the operators. The person responsible for paying for the resulting damages may be the vehicle owners or the person who bought the vehicle insurance (usually, but not always, the same person). When operator negligence is involved, the operator may be responsible for paying the damages, even though the operator is not the insured person.
