Q. Im getting my Learners License in a few weeks and am going to be driving my Dads and sisters cars and possible others. Do i have to be on the insurance policy if i drive a vehicle that isn't mine? Or if i have an accident and need to make a claim does it just go through my supervising drivers insurance?
A. It depends on the policy and the company you're with. Dad - or whoever - will have to call the insurance company and ask. Many insurance companies will cover you without being listed, as long as you're on the learners permit - but some will require you to be listed on the policy, to be covered, even if you don't own the vehicle.
What to do with insurance policy after totaling car?
Q. I crashed my car and totaled my vehicle. I was forced to sell my car to a wrecking yard to prevent the towing company from continuing to charge me. My question is what should I do about my insurance policy? I don't want to show a lapse in coverage. Can I just pay them a small amount to keep my policy without a vehicle on it?
I have been loaned a vehicle (already insured) for the next six months. I don't plan to get a new car until the end of the six months.
I have been loaned a vehicle (already insured) for the next six months. I don't plan to get a new car until the end of the six months.
A. Are you going to buy another car within a month or so? If so, delete all coverages except minimum liability, on that policy, effective the date after the accident.
If you're not going to replace the car, even six months later . .. might as well cancel the policy.
If you're not going to replace the car, even six months later . .. might as well cancel the policy.
How does uninsured motorist coverage work?
Q. I was in a car accident, and the other driver was at fault. The other driver is not listed on her vehicle's insurance policy, and I've been told by her insurance company that they may deny coverage, because she's a member of the car owner's household. Where does that leave me? I don't have comprehensive coverage on my car. So do I need to sue her for the damage? Or can I file an uninsured motorist claim?
I do have uninsured motorist coverage under my own personal insurance policy.
I do have uninsured motorist coverage under my own personal insurance policy.
A. In most states, having uninsured motorists insurance is ONLY good for injuries to you or to your passengers.... INJURIES... Not for the car !( the name is VERY misleading)
If the other driver does not have insurance but you do. Run this through your collision insurance. In any case, notify YOUR insurance company and they will advise you.
If the other driver does not have insurance but you do. Run this through your collision insurance. In any case, notify YOUR insurance company and they will advise you.
How can someone purchase a life insurance policy for someone else without them knowing?
Q. I always see on Forensic Files and other shows about murderers, they are able to purchase a life insurance policy for their spouse or relative without the person's knowledge. Then they kill the person for the money. Why are they able to buy a life insurance policy without the person knowing about it? Wouldn't that prevent some murders if there were better procedures put in place?
The shows I am talking about are shows abotu real people and real murders. Forensic Files, Snapped, even dateline.
The shows I am talking about are shows abotu real people and real murders. Forensic Files, Snapped, even dateline.
A. Not legally. The application would have had to have the insured's signature. Otherwise, the signature is forged, or the insured was enticed to sign something without knowing what the instrument was.
For larger life insurance policies, there are medical exams, blood tests, EKG's, etc., to qualify the insured for the coverage. No one can go through those tests without knowing the reason.
The insured could have bought a large policy, and made the spouse, or other perpetrator with an insurable interest the beneficiary.
If somebody wants another out of his/her life so bad that they would resort to muder, the insurance isn't going to make that much of a difference. The crime will probably be attempted anyway.
It kind of sounds like you want to put blame on the insurance companies; just like people put the blame on guns. That would be the same as blaming Ford Motor Company if someone driving a Ford product purposely ran over and murdered his victim.
It's not the insurance company's fault. It's not the gun's fault. It's not the vehicle's fault, but the blame should go to the one who committed the despicable crime - the perpetrator.
For larger life insurance policies, there are medical exams, blood tests, EKG's, etc., to qualify the insured for the coverage. No one can go through those tests without knowing the reason.
The insured could have bought a large policy, and made the spouse, or other perpetrator with an insurable interest the beneficiary.
If somebody wants another out of his/her life so bad that they would resort to muder, the insurance isn't going to make that much of a difference. The crime will probably be attempted anyway.
It kind of sounds like you want to put blame on the insurance companies; just like people put the blame on guns. That would be the same as blaming Ford Motor Company if someone driving a Ford product purposely ran over and murdered his victim.
It's not the insurance company's fault. It's not the gun's fault. It's not the vehicle's fault, but the blame should go to the one who committed the despicable crime - the perpetrator.
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