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Q: Does your auto liability policy cover you in a borrowed vehicle if the owner is not insured?
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Does property damage liability cover those not on the policy?

Property damage and liability coverage are two different things and provide different coverages entirely. Property damage coverage on an auto policy covers the named insured on the policy. The named insured must be the owner of the vehicle as you cannot insure a vehicle you don't own. Generally insurance companies allow immediate family members who reside in the home to be included on the policy as long as they are listed as drivers on the policy. If the vehicle belongs to someone not the named insured then the coverage is void. If the driver of the vehicle is not listed as a driver on the policy this would also be material misrepresentation and the policy would be void.

Can i drive someone else's vehicle that has no insurance on it but mine does?

You would probably be insured for liability, but the car would not be insured for collision. However, to be sure, you should call your agent or read your policy.

Does liability insurance cover all vehicles even if they are not listed on the policy?

Insured has thirty (30) days to add new vehicle to commercial auto policy. For auto insurance it is what is on the policy that is covered.

What is an insured contractor?

An insured contractor is a contractor who carries a Commercial General Liability Insurance Policy.

If you have an insurance on your vehicle can you drive a vehicle belonging to another person?

If you are a first named insured on your policy then your liability coverage would extend to any non-owned private passenger vehicle you have permission to operate.

Can you get auto insurance without a vehicle?

If you do not own a vehicle you can still purchase auto insurance to cover you when you are driving borrowed vehicles and rented vehicles. Named non-owners insurance is a policy for individuals who drive borrowed cars and have a need for liability insurance. If you are required to provide an SR-22 to the DMV to keep your driving privilege and do not own a vehicle, named non-owners policies are the best solution. These policies will provide you with liability coverage in any car you do not own if you are found at fault for injuries or damage.

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.

Do you have to provide a copy of your insured's liability policy to a claimant's attorney when requested in Ohio?

You don not have to provide a copy of your liability policy when requested. You only have to provide the policy if a court or judge requests it.

If i am insured and drive a vehicle belonging to someone that is not insured am i covered through my policy?

No. * i say Depends on your policy. Call your insurance person.

What does Additionally Insured on a Vehicle Insurance Policy mean?

The person who took out the policy is the main or policyholder. Any persons added to the policy are considered additionally insured.

Does a builders risk policy provide liability?

It depends if the builder's risk policy is just for property or for property and liability. You can have a builder's risk policy, which includes general liability. If the insured is owner of the building, the general liability exposure is the cost of the project and will classes under subcontractor.

If you have liability insurance on one vehicle are you insured if you drive another vehicle?

Auto insurance typically covers the car, not the driver. So, if you have insurance on your vehicle, but you drive another vehicle that doesn't have insurance, you are not protected by your policy if you have an accident in that other vehicle. However, if you have insurance on your vehicle, and you lend it to a driver (from another household) who does not have his or her own insurance, they will be covered by your policy while they are driving your car.