No insurance = no insurance. Doesn't matter much why. About your only option is to sue your Mom.
18
The Insurer and the Insured are parties to an insurance contract.
If you add the child as a driver on the policy.
no
From a retired California Insurance Broker. The question is not clear as to the issue. When you have a US car insurance policy and you drive a car not owned by the policy holder you are automatically protected as to Liabality unless excluded. Most policy does not exclude such coverage. The phycial damage to the non owned car will not be coverd under your US policy. In commercial auto policy you may add non owned cars but not in personal auto policy. If you have a US auto policy you may decline when renting a car the liabily portion whic is the most expensive. Again check with your Broker to be certain that your policy does not exclude car rental, if not then only accept to buy physical damage only. Some credit card offers Insurance when the rental is charge to the card. A word of caution please call the credit card company and ask them if such insurance covers Liability and physical damage. Car insurance is divided into two major area 1. Liabilty. 2. Physical camage to the car which includes theft. ANSWER Non Owned car policy is also when you dont own a vehicle but you want a policy in force so you dont have a lapse in insurance coveage for when you go and buy a car. This policy is good for when a person is between cars fora period of time.
No. You are not covered in a lapse period. A period of lapse in coverage means " No Coverage ".
Yes, the person is an adult and if the accident was his fault is responsible regardless of the status of the insurance coverage.
Cash value loans will allow you to keep the policy in force and preserve coverage (sometimes for a lower benefit amount). If you decide to cash out the surrender value instead, your policy will lapse and you lose the life insurance protection.
Here are several answers and opinions from FAQ Farmers: * No, it is up to you to obtain your own auto insurance policy. * They carry insurance on vehicles that have not yet been purchased.
Legally...no. But, for insurance purposes, yes.
Only if you go to your insurance provider and include them in your policy