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Normally, if you call your insurance company they will be able to answer this question for you. Since most insurance companies are different than others its always a good idea to double-check. with direct they are covered as long as they don't live in your house.
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Does full coverage insurance cover any licenced driver?
If they are added to your policy as a scheduled driver yes they will be considered a covered driver.
Will full coverage cover the insurance holder if they were injured?
If a motorist is injured by an uninsured motorist and the driver has uninsured motorist coverage the insurance carrier will provide coverage, if certain information is obtained on the uninsured driver. If a driver has Medical payment coverage or PIP coverage he or she and any passengers will be covered by the drivers auto policy Medical payment coverage.
Does the insurance company have to pay for a rental vehicle for a client until their vehicle is fixed if they have full coverage insurance?
Rental car coverage is an add-on, check your policy to see if you are covered - if there was another vehicle involved in the accident and the driver was at fault, his or her insurance should pick up the tab.
If you are drivng another persons car with permission and have no insurance but the car you are driving is insured will the car insurance pay to get the car fixed since you were at fault?
This is different from policy to policy. You need to check the owner's policy to see what is covered. If the owner didn't pay for such coverage, then the damage is not covered. Provided the owner is paying for comprehensive and collision coverage the damage will will be covered, subject to a deductible, as long as the driver is not excluded from coverage.
Is it illegal to drive a car owned by the main driver but mainly used by the second driver both covered with insurance?
If they are covered under the same insurance policy no. Please be advised if the main driver is not listed as a driver on the said vehicle then there could potentially be no coverage in event of loss. It depends on the insurance company. As long as main driver has owners permission and there is valid insurance in force. Make sure there is adaquate liability coverage. If something were to happen and not enough coverage was there the injured other party is legally able (in ca) to. sue the owner of the car for 50% of his wages for next 20 years.
Husband has accident with my car and he's on the insurance exclusion list?
When ever a driver is excluded on a policy, the insurance company will not pay out on any claims when that person is driving. Hes excluded, he has absolutely no coverage with your insurance. If he has his own policy with a different company, he will be covered. So in general when a driver is excluded, their is no insurance coverage. Its like he was driving without insurance.
Does insurance pays for a comprehensive insured car driven by an uninsured driver?
Comprehensive coverage does not apply to the driving of a car. It should be covered.
You have liability insurance but no collision coverage and your car was hit by another driver will their insurance cover your damages?
Yes, if they accept liability and they will pay up to the limit of property damage coverage.
If you are a passenger in an uninsured driver's vehicle does that mean that you are not covered either if he has an accident?
If you mean are your medical bills covered -- and assuming your state requires medical coverage on auto insurance policies -- then, no, you wouldn't be covered by any policy of the driver's since, of course, no policy exists. However, if you have your own auto policy, that policy would then become primary. After that, your health insurance would be primary. Unfortunately for the uninsured driver, if you do have to go through your own health insurance, there's a big possibility that they will go after the driver for any payments they make, particularly if a driver is legally required to carry auto insurance in your state (again, insurance that included medical coverage).
What is covered on pip insurance in Ohio?
Coverage on PIP insurance in Ohio can be offered by the insurers if PIP insurance is chosen. PIP can may help pay for medical expenses for passengers and the primary driver.
If you have full coverage insurance on your auto do you have to put a new teenage driver on your insurance or would this be automatically covered?
Yes, you have to ad them to your policy I would call the insurance company and offer the drivers licence number to ensure coverage. there is no sense in taking chances with today's insurance company's.
Coverage To Drive?
If you are driving a car in the state of Illinois, then you need to carry insurance on the vehicle. Uninsured motorists can get insurance at affordable rates if they know where to look. There is a minimum amount of coverage that the driver needs to have on their insurance. This amount is not high so that drivers can get insurance coverage at an affordable rate. However, if a driver wants to take a risk and let someone else drive their car, they need to carry uninsured motorist insurance on their policy. The minimum amount for this coverage is $20,000. This covers the driver of the car if they were in an accident and were not covered under an insurance policy. In the event of a car accident and the driver of your car or the other car were not covered under their own insurance policy, the uninsured motorist coverage would protect not only yourself but the other drivers in the accident. The coverage will pay for any medical necessities that are incurred during the accident and any wages that are lost. The coverage will only pay up to the amount that you have on your insurance policy. Anything over this amount will be the responsibility of the driver. If the accident was the fault of the other driver, then their insurance will cover up to the amount listed on their policy and then your insurance will cover the remaining amount. An uninsured policy is different than an underinsured policy. An underinsured driver has insurance, but they may not have enough coverage to pay for the expenses if the driver were in an accident. An uninsured motorist has no insurance at all. The only way that an uninsured motorist can usually drive a vehicle is if there is a family member who has taken out the uninsured motorist coverage on their insurance. An uninsured policy is not expensive to get, but it would be best for the driver to obtain their own policy as soon as possible.
