Auto Insurance Claims
Auto accidents do happen. Most countries require automobiles to be insured to protect individuals from damages or losses arising from these accidents. Policy holders must file an insurance claim before they can avail themselves of the benefits provided by the insurer.
Where can you get pet insurance quotes?
friendus from contributors: It pays to look around and educate yourself on the variables possible in a pet insurance policy. Some policies are different from others, make sure you are satisfied with what you are paying for. You should think about what you are looking to cover, if you're trying to cover multiple pets, or older pets. If you are looking for routine care coverage or emergency care coverage, etc. All this plays a factor and different providers specialize in different care. You can usually get pet health insurance at your local veterinarian clinic or animal hospital. Always ask your veterinarian first about pet health and make sure the pet insurance company is licensed in your state. Check with your vet to find out who provides the best pet insurance. Check with a local pet shop. You can also check with your vet but also do your homework, because you don't want any surprises when you file a claim. Be certain to be truthful on all application documents. The safest way to check into buying insurance to cover a pet is to talk to the vet that you use. There are many different insurance plans offered out there, but what would matter is which insurance they will accept. Also consider if you do any traveling what would be most widely accepted. Congratulations on your "baby." You sound like an extremely good pet owner so I suggest you talk to you vet and they will give you several different pet insurance programs you can join up with. Please read their policies carefully and be sure you are getting the best bang for your buck. I would not use the internet to get your pet insurance. The vet is a phone call away. Some major American Pet Insurance companies: Veterinary Pet Insurance (800) USA-PETS Pets Health Care Plan by The Hartford Group (800) 807-6724 PetCare and ShelterCare Pet Insurance Programs Pet First Health Care Embrace Pet Insurance ASPCA Pet Health Insurance Pets Best Pet Insurance Trupanion Pet Health Insurance Most insurance policies are "indemnity products", meaning that the company pays all or most of the costs incurred. However, there also exist "discount plans". These differ from indemnity plans in that they offer a discount from what would be the regular fee charged by the veterinarian. These plans are much less costly than true insurance, but they also provide a different kind of benefit. Understand that you are financially responsible for the payment of the fees, although they are discounted. You also must enroll in the plan and the sponsor of it charges an enrollment fee. You must also be aware that veterinarians often stop their involvement in the plans, and therefore no longer offer the discounts that you were counting on. Therefore, it is important, before you join or use the plan that you ensure that the vet still participates.
Asked in Cars & Vehicles, Auto Insurance, Auto Insurance Claims, Tickets Points and Auto Insurance Rates
Can you insure someone else's car?
What car maintenance should an owner do?
Intervals Here is what I recommend for maintenance intervals. There are exceptions to all of these including severe duty, which most northern cars fall into. Change Transmission filter-30,000 miles, 90,000 and 150,000 miles and fluid at 60,000, 120,000 and 180,000 miles. Change oil every 3,000 miles or 3 months, unless you use Mobil One, in which case 6 months/6,000 miles. Chassis lube every 3,000 miles, assuming there are fittings. Spark plugs: Conventional plugs: 30,000 miles, Double platinum: every 50,000 miles (100,000 mile plugs are best to be changed well before that, although some can reach it). Fuel filter: 35,000-40,000 miles. Unless it is in the tank. But if the tank is ever dropped, do it then Ignition cap, rotor, wires: 60,000-80,000 miles. (if it has them). Timing Belt, if applicible: 60,000 miles on many but check with gates or dayco or the manual or dealer, as many different intervals are now present. Coolant flush -- green: 2 years/24,000 miles. Coolant flush -- dex-cool or long life: 5 years/50,000 miles. Tire rotation: 5,000-8,000 miles. Alignment: 15,000-20,000 miles., unless tire wear is not a problem and car goes straight. Brake fluid flush and power steering fluid flush: 2 years or when dirty or discolored. Air filter, pcv valve and cabin air filter: as needed. Professional fuel injection service: 40,000 miles. Throttle bore plate cleaning: 20,000 miles. Air induction service: 20,000 miles. Maintenance Every auto manufacturer lists their required maintenance on their web sites and in the owners manual the maintenance service intervals vary between manufacturers. Your car is a moving piece of machinery, it needs maintenance, if you want this car to last you need to service it. Do not just do the minimum recommended services that are listed in you service manual. Make sure you service your cooling system which prolongs the life of the radiator and water pump, and the power steering system, which will extend the life of your cars power-seeking pump and gear box or rack. It will cost you much more than you want to spend when you fail to maintain your car and larger problems surface. I recommend that you review your owners manual and get acquainted with a reputable auto repair facility. A good relationship with you car and your car's mechanic will benefit you in the long run, providing you with a long lasting and safe car. At 30,000 miles you should also service your cooling system, transmission, fuel system and power steering; this should be repeated every 30k miles. I recommend flushes of the later mentioned items to prolong these systems' life span. Car care Basic car care can be simple and take only a short time to complete if you know what to do and look for. Check your oil every week by first starting the vehicle and letting it run for at least 30 seconds. This allows the oil to fill the oil filter and will give you a proper reading on your dipstick. Shut the engine off wait 2-5 min to allow the oil to settle, and pull the oil dipstick, wipe it clean and replace it in the dip stick tube. Pull it out a second time and check the level. Fill if needed, but do not over fill, and it's best to use the same weight of oil last used. Check your transmission every month by first pulling the transmission dipstick and checking if it requires the transmission to be in neutral or park. You can do this by reading the dip stick usually near the fill line. Start your vehicle and run it through the gears ending in the recommended gear, set the parking brake and pull the dipstick, clean it off and recheck it for a proper reading (remember that transmission fluid expands when hot). If the fluid is in the checked area do not add. If you do need to add fluid be sure to use the correct type recommended for your vehicle and again do not overfill. I recommend never pulling the cap off your brake fluid. Brake fluid draws moisture from the air and can contaminate the system. If you think there is a problem with your brakes, have them checked by a certified brake specialist. You should not need any fluid added to your brakes unless you have a problem such as a leak or the brakes need to be replaced. Most new vehicles have a sensor built into the brake system that lets you know if you need brake work, and this is activated by the amount of fluid in the reservoir. By adding fluid you can do more damage than good. (Make sure you know what fluid it takes dot 4 and dot 5 are not compatible. Cars with Anti-lock brakes should get there fluid flushed every couple years or every 30,000 miles. A $1500.00 ABS module that went bad from dirty fluid can be avoided)
How can you find out the salvage value of a totaled car?
You can call some salvage or wrecking yards in your area and ask what they are willing to pay you for the totaled car. It is best to call several wrecking yards and then average the price they offer you. A reasonable estimate is 15-20% of the retail value of the vehicle at the time of loss. Keep in mind that a vehicle totaled due to front end damage will have a lower salvage value than the same vehicle totaled due to a rear impact. A salvage yard will often pay you more than a scrap yard. It just depends on how badly damaged the vehicle is and what parts may be reusable. Salvage yards attempt to salvage usable parts that can be resold as is to body shops, mechanics and individuals and then the remainder is crushed and sold to be melted down. A scrap yard will generally only offer you based on the weight of the metal because they are just going to crush it all down to be sold as raw metal for recycle. All insurance companies have different formulas and conditions for paying out on a total loss. For instance, I know of a few companies in Illinois that will formulate a value at time of loss based on the following factors: car's condition before the accident, current blue book value, current dealer re-sale prices, current salvage values, and current newspaper listing prices. Taking all these sources of info into consideration, it is difficult to say the least to compose a salvage value, until the actual time of loss, and after an adjuster examines the damaged vehicle. There are some insurance companies out there that will not do what is right toward you, but the right companies will be fair and reasonable to you. For instance, I know that The Hartford asks you what the condition of your car was prior to the accident, the adjuster who goes out to look at the vehicle looks at any prior damage on the vehicle and any mechanical malfunctions. They then go on the market (Auto Trader is used commonly) and search for vehicles in the same category condition and base your vehicles value on that value. They then retain the salvage. I know however that if you choose to keep your salvage title, they take the market value of the car and subtract with the salvage value and that's the money you get along with keeping your car. The main point of giving you market value is so that you can go out and buy the same exact car in the same condition as your vehicle was prior to the loss. In conclusion, there are some fair companies out there. It's the consumers sometimes that keep trying to take more because they see a no fault auto accident as a way to make money. If you think you are being low balled by the insurance company than you may invoke the policy section where disagreements about settlement value can result in an independent appraisal/mediation. You will have to pay half of the fee for this, though.
What would be the American equivalent of a 1.2 LTR car in England?
Using the conversion factor of 16.387cc=1CI, we come up with a displacement of 73.22 cubic inches. Most American cars are quoted in liters these days (5.7 liter mustang) so a 1.2 liter would be a 1.2 liter. same amount of displacement. I don't think any American car has an engine this small. Although there are European and Asian imports in that range. Most big Japanese motorcycles top out at about 1.2 liters (1200cc), although 1300cc is not unheard of. I think the smallest car you can get in America is the Smart Car, which has a 1.0-liter three-cylinder engine, but it's made by Daimler AG in Germany.
What is no-fault insurance?
No Fault Auto Insurance No Fault Insurance, in true No Fault form, is insurance that covers a stated risk regardless of who was at fault in the event of a covered loss. There is no "True No Fault Auto Insurance" policy however in the United States. In the U.S.A. Many states have implemented a hybrid policy type they refer to as "No Fault Coverage", but the term is actually only applicable to first party medical coverage for sustained injuries in an auto Accident. So the "No Fault" indication is not applicable to the entirety of the coverage offered by the policy. There is no true all "No Fault" auto insurance policy in the united States even though a state may say that it is a no fault state. A more appropriate term for the no fault statutes has been proposed, "First Party Medical" rather than the term "no fault" which can be somewhat misleading to the general public. No-Fault Insurance "No-fault" insurance refers to medical coverage which you are required by state law to carry on your automobile insurance. Not all states have "no-fault" statutes, though almost all insurance companies sell some type of medical coverage for their auto policies. Basically, if you have an accident, regardless of whether or not you are at-fault, your own auto insurance must pay a portion of your medical bills. The "no-fault" part comes from the fact that even though someone, say, plowed into the rear of your car while you were stopped at a red light, your own carrier must pick up the ambulance, hospital, rehabilitation, etc. Some states allow "no-fault" insurance carriers to go after the at-fault party, but this varies too much to discuss here and it's also relatively rare. Typically it's based on the amount of the medical bills or the weight of the at-fault party's vehicle. Many people who live in "no-fault" states often believe they can prohibit their carrier from paying their bills (with the assumption that they don't want any payments made under their policy in case their rates go up). This isn't the case. Much like worker's comp, "no-fault" medical coverage is primary, and the first-party insurance carrier must pay it. Finally, many people who know they live in a "no-fault" state often believe this has something to do with physical damage to a vehicle and liability. That's not true. "No-fault" relates only to the medical coverage. If someone hits your vehicle, and he's at-fault, he is still legally liable to pay for the damages to your vehicle. Answer A note on Michigan "No Fault" Auto Insurance: It had to be sold politically so a lot of effort went into demonizing the legal profession along with those who were either under insured or non-insured, and when it went into effect in 1973 It featured Mandatory Participation, resulting in a higher margin for the underwriters, which was supposed to (theoretically) lower premiums. A Liability Limitation was also supposed to do the same, but in fact in resulted in the exact opposite: Michigan has the highest auto insurance rates in the country. When the Michigan Insurance Industry lobbied long and hard for "no fault", it sure wasn't for the benefit of the auto owner. Also, the state stepped in to play the citizens advocate role by supposedly acting as a watchdog over the industry, so of course the employment opportunities at the Michigan State Insurance Commission rose significantly. In short, the "no fault" law in Michigan really should have been called The Michigan Public Employee and Auto Insurance Agency Benefit Act. Wiki Answer wit No-fault insurance doesn't mean the insurance company lets you off the hook if you cause an accident. Despite the misleading name, it does matter who caused the accident.
Are you covered by a family member's insurance when driving their car?
Insurance Coverage. The answer below is incomplete. It is true that you should check with your carrier, but keep in mind, their answer will normally will result in getting more premium. With State Farm and Allstate you as a policyholder will always be covered, unless an excluded driver uses your vehicle. Otherwise you will be covered. If the driver who is involved in the accident lives in your home they will add the driver onto your policy, or exclude them in the future after the accident, regardless of who is at fault. If you are a new policyholder, you must disclose all drivers living in the household at the time you are purchasing the auto insurance, or run the risk of fraud. Autoclub will lower your liability to the state min. which is 15000/30000, regardless of what limits you have and are paying for. Mercury will try and get out of paying the claim until they get tired of you pushing them. Mercury has to be one of the worst insurance companies one could have in the state of Ca. The answer lies with your insurance company. If indeed they consider you an authorized driver/operator, they will be happy to provide a document to that effect. I think, however, that you will not be covered without being added to the policy by name. Everyone in my home that drives on our insurance has a card that states this. More opinions and friendus from other FAQ Farmers: You have to check with your agent. Some companies such as Mercury, require that everyone in a household be listed as a rated driver or an an excluded person including small children. There are several factors that need to be considered. "Family member" is a term rarely used on an automobile policy. My brother who lives across the country and probably doesn't even know the color of my car is a family member, but he MAY NOT be covered to drive my car. On the other hand, if he came to visit, borrowed my car and had an accident for which he is liable, those damages would likely be covered. Look for the term "resident relative" in your policy. That will dictate coverage questions for family members living within the same residence. The key here: is there someone either residing in your household or related to you and driving your vehicle frequently enough that they should be 'rated' so that your premium payment accurately covers your probable risk? (i.e., you may have a child that attends college away from home, but returns on major holidays and summer breaks.... you may have a sibling, down on their luck, waiting for finances to improve, but staying with you and using your vehicle to get to job interviews.) If you have non-standard coverage, the carrier will likely require you to list everyone in the household; those who do not have a valid drivers' license, or do not meet their underwriting criteria, will be specifically excluded. The comments about Mercury Insurance and state limits are misleading. Not every state has the same minimum limits. If you are carrying named driver limited lines coverage, 'covered drivers' takes on an entirely different meaning than on a standard policy form. On a standard policy form, nearly any licensed driver that drives your 'listed' vehicle WITH YOUR PERMISSION, is 'covered' while they are driving it barring insurance risk concealment fraud. Generally, though there may be exceptions state to state or company to company, on a named driver policy, ONLY the 'listed' drivers are covered. In Wisconsin, anyone to whom you give permission to drive your car is covered by your insurance. You can not exclude any driver here. The bottom line is, you need to check with an agent you trust in your state because the laws about who is hidden covered and who is not vary dramatically state to state.
What are the cheapest autos to insure?
The top ten cheapest cars to insure, regardless of who you are: * Buick LeSabre * Oldsmobile Silhouette * Honda Odyssey * Buick Park Avenue * Pontiac Montana * Mercury Grand Marquis * Buick Century * Chevrolet Venture * GMC Safari * Oldsmobile Bravada * Volvo * hyundia * VW POLO BY THE WAY DONT U USE UR BRAIN U PLONKER The insurers go by credit scoring, loss avergaes, etc. not just by the car you drive, of course. For liability only, it depends mostly on the driver an possibly a little bit on how much damage the car will do. (motorcycles cheap, SUV's expensive) For full coverage it is a combination of how much it usually cost to repair it and how likely it will be to get in an at fault accident. cadilacs are expensive to repair, fords are inexpensive volvos are driven responsibly, mustangs are always getting to wrecks. The cheapest to insure will be a sensible, afordable, small sedan with the most safety features and the cheapest engine, trim, features etc.. hope it helps Easy answer really, one car and one car only, a Buggatti veyron 8.0l quad turbo charged so not only does it have a small engine its economical as well!! it does 7 miles to the gallon so perfect for all those long distance drives! and perfect if you are on a tight budget to find a car because they only retail at around £850,000 but be quick as there is only 500 made, hope i was helpfull :) DONT BUY A CAR the lamborghini diablo is because its super quick
Asked in Cars & Vehicles, Auto Insurance, Auto Insurance Claims, Tickets Points and Auto Insurance Rates
How do you decide who's at fault in an accident?
In the UK - determining who is legally at fault depends to a degree on the type of accident that has occurred. For example - in a RTA the Road Traffic Act and Highway code are influential in deciding who has made a driving error. In an accident at work there are regulations for manual handling and keeping a work environment safe. For examples on showing legal fault for different two different types of RTA and work accidents see the related links entitled: "car accident claim", "motorbike accident claims" and "accident at work claim". Here's a link for advice on determining who is at fault in a car accident. Besides the website recommended above, you should consider point-of-impact, whether the alley is one way or two way, and what a reasonably prudent driver would be expected to do in this situation. In your case, the point-of-impact is very telling. It's one thing to hit the rear corner of a car backing down an alley, but it's quite another to hit that car on a door. Your neighbor, even while backing, probably had the greater duty since you clearly had control of the roadway. If there's any comparative negligence on your part, it would be minimal unless the alley is one way and statutes specifically prohibit backing in such a location. A statute of this type could be used as a defense for your neighbor because the statute would have been created with just this scenario in mind (i.e., don't back down a one way alley because most people wouldn't think to look more than once in that direction). Another thing to consider: Your neighbor basically struck the middle of your car. She has a duty to watch for oncoming traffic. Clearly she wasn't watching. Now, suppose that had been a person? What would her defense be? Fault is determined partially by the laws of your state. Contributory Negligence Comparative Negligence Under which of these systems does your state operate. In one...the person who is 51% at fault will pay for all damage. In the other a percentage of blame is assigned and each pays that percent of the others damage. It could also be a NO-Fault state in which your own company pay regardless of who is at fault. General rule of thumb....the person with control of the "roadway" has right of movement. Anyone entering the roadway must yield to the ongoing traffic. A smart attorney could argue a case that alley's are not roadways.
Does Allstate auto insurance cover rental car insurance in the US?
Whose auto insurance will cover you if driving another person's car?
Borrowed Vehicles for the UK In the UK - the general rule is that the driver's own vehicle insurance will pay for any accidents other than when the driver is driving a car with permission and is named on the car owner's policy. If the driver has no insurance the driver has a personal liability to pay for injuries and damage to third parties. Either the car owner's insurance can be used to meet a compensation claim or the Motor Insurers Bureau will step in to pay compensation if no car insurance is available from either the driver or the owner. See the related link entitled "accident car insurance" - for an explanation of all forms of car insurance in the UK and the function of the MIB. Insurance Coverage in Someone Else's vehicle - USA In The USA this will vary state by state according to local regulation as well as the type of Auto Insurance Policy in place at the time. It's always best to get coverage advice from your Insurance Agent. As a general rule across the 50 states, if the owner of the "personal use" vehicle being driven has adequate coverage then that policy is treated as primary and any coverage the driver has is secondary or excess in the event damages exceed the limits of the vehicle owner's insurance policy or in the event of no coverage for the operator under the owners policy. If coverage is afforded under the vehicle owners policy then it will act as primary coverage. If not, then the drivers own auto liability insurance (if any) will step up from secondary and invoke as first party coverage. Depending on the policy language and coverage selected options, liability, uninsured motorist, pip and medical portions will all invoke and provide you coverage. Additional Considerations or possible coverage Gaps (Please add more here if you can think of some) Your Personal auto Policy will "Not" follow you for operation of a hired business or commercial use vehicle unless you have elected business use coverage as well. If the vehicle owner has purchased a limited form type or a "named driver" policy. though economic for those on a budget, no coverage at all may be afforded to occasional or permitted drivers. The degree of coverage beyond the above that may invoke are dependent on various factors such as the reason for driving the other vehicle, loaners, rentals or replacement status vehicles and other local or state regulations. It's always best to talk with your agent and make sure you undertsand your coverage before loaning or borrowing a vehicle. Happy Motoring Insurance Coverage in anothers vehicle I am an auto insurance adjuster and the quickest answer to your question is - "it depends on the Owner of the vehicle's policy language". Most auto insurance policies WILL in fact cover ANY driver of the insured vehicle, UNLESS that driver has been previously excluded from the policy or UNLESS the driver has STOLEN the vehicle. This would have to be proved with a copy of a theft report filed by the owner. Now, most of the time this is the case - but NOT in all states, and NOT on all policies. I urge you to call your agent BEFORE you drive a friend's car or BEFORE you let a friend drive yours. Here are more friendus and opinions from other FAQ Farmers: The insurance will only cover you if you are listed under their insurance with the car owner. I had to find this out in a hard way. They will, if the car owner has given you permission to drive. But if not, they won't and I fell into the second case. A good rule of thumb is that 'insurance follows the owners liabilities as far as coverage is concerned. The policy in force on the vehicle involved in a loss will cover the damage to the vehicle itself and provide the liability limits if other parties are involved and are covered under the terms of that policy. This does assume that you had the owner's PERMISSION to drive the vehicle involved. A lot also depends on the state. I'm in Texas - my policy specifically states that anybody that I allow to drive my vehicle is covered. At the same time, my policy will cover me in somebody else's vehicle (with the same coverages that I carry), and also cover any new car for 30 days, to allow time for me to give them the car information. They tend to be a lot more liberal than most companies though. And I don't carry collision anyway (my car is 15-years-old with 165k miles, not worth it), just theft, uninsured motorist and liability. I think this question could vary state to state. However, in WA, the insurance on the vehicle is primary, and if the drivers has insurance on another vehicle, or a broad form policy, theirs is secondary. Hope that helps, just my 2 cents. The vehicle's insurance is primary. If liability insurance on the vehicle is inadequate your own policy will come in as secondary and protect "YOU". The driver's insurance applies. Think of this: how can you lower your insurance premium: you, the driver are experienced, good driver (no accident, etc.) As soon as I add my daughter to my policy, it changes to inexperienced driver and not good driver category! SAME car....! The insurance follows the Named Insureds Liabilities. That is the general rule. However, in some states, there is case law that will hold the owner's and driver's insurers coprimary for liability coverage IN SITUATION WHERE THE DRIVER IS USING THE OWNER'S CAR AS A TEMPORARY SUBSTITUTE VEHICLE. Generally though, the driver's policy is excess or secondary. A car is insured under comprehensive and collision insurance. The Named Insured Drivers are covered for Liability purposes. For the car to be insured in the case of an accident there are stipulations placed on who can drive the car relating to driver age, experience, driving record etc. this may vary from policy to policy. It all depends, Specifically As with most questions like this, it depends. Specifically: 1. Auto insurance follows the named Insured Liabilities. So, if you're driving your friend's car and rear-end somebody, your friend's liability insurance may take care of the other vehicle's damages. 2. But what if your friend doesn't carry insurance? Most likely your insurance will step in, but if Ohio requires vehicle owners to carry liability insurance, your carrier will most likely go after your friend for the money they paid to protect you because, by law, your friend should have paid for his own coverage. 3. Does the car belong to a relative? More specifically, a relative in your household? This would likely result in your carrier denying coverage for you because you didn't tell them a relative owns a car that you're driving. How often you drive the car could also affect your carrier's decision. 4. But what if you have full coverage, and you wreck your friend's car that doesn't have full coverage, and you don't normally drive the car? Most likely, your carrier will step in and pay for the damages to your friend's car. Your carrier is "excess," but if no other first-party coverage exists, they'll usually take care of it. See #3, though, because this wouldn't apply to a relatives vehicle. insurance on the vehicle The kind of Insurance you are speaking of is a Named non-owners policy. If you are driving someones car that you borrow it needs to have insurance too. It is illegal to drive a car without insurance (for that car) The driver and owner could get a ticket for the vehicle not being insured. Insurance Coverage In my experience as an auto insurance adjuster, the car carries the insurance. It would tie up the courts if settlements were partially on the vehicle and partially on insurance carried by the driver. If your car is involved in an accident while being driven a person who does not have your permission (as the Named Policy Holder) it is possible that your insurance company, after an in-depth investigation, including sworn statements by you, may try to subrogate against the unauthorized driver's insurance. There is an excess clause in nearly every auto policy. One particular Auto Insurance carrier is famous for trying to deny coverage based on this excess clause. But, as far as I know EVERY company's policy language includes this excess clause. In MOST cases, where only PD or MD (property damage or material damage) are involved, companies will agree to pro rata shares of coverage. The above-mentioned carrier tends to dig their heels in the sand, however, and prolongs the handling of such claims, which nearly ALWAYS translates to a costlier claim process. most generally yes, your exact coverage will transfer over (if that vehicle is uninsured and there are MANY ''if's'' in this ) to this uninsured vehicle, if it meets the criteria of 'non-owned auto' 'temporary replacement vehicle' etc......but NOT on a continueing bases...you can't just insure one vehicle and drive a non insured one indefinately...understand? In the state of AZ, the insurance follows the car. Your own coverage may extend to a vehicle that you are using with permission but only as secondary coverage. 1 Until this answer is improved by an expert, this layman's answer will have to suffice. IF the driver is not named on the vehicle's insurance, the terms of the insurance policy will dictate the handling of a liability claim for the accident in which the vehicle was involved. Normally, if the driver is: 1. Legally licensed to drive, and 2. Has the permission of the owner of the vehicle to have been driving it at the time of the collision, then most policies will cover the "Permissive User." If the vehicle you borrowed does not carry insurance and you do, your insurance becomes secondary to cover the claim. The owner's insurance is primary. 1 Generally, throughout the insurance industry, if there is insurance on the vehicle involved in the collision, then that insurance is considered "primary,' and is the policy which will provide first coverage if coverage is extended to that driver. Then, IF the primary coverage is not adequate [not enough money], the driver's insurance [considered secondary] will kick in for the balance owed on the liability claim, until its limit is reached. typically the insurance on the car is primary.....if that policy has collision coverage (am assuming there is liability coverage as that is required).....the vehicle policy will repair that vehicle....if that vehicle does NOT have collision coverage and driver has a policy with collision coverage then drivers policy will step in (2nd)......if neither policy has collision coverage and the driver of your vehicle is at fault..........no company is repairing that vehicle..... and yes as mentioned which ever policy pays for the 'at fault' accident those rates are increasing......could be that both pay....yours for the other parties damage under liablity portion (if your vehicle is at fault) and drivers collision coverage (if your vehicle has no coll.cov) That is determined by the coverage clauses in both parties policy. The person whose insurance company pays will be the one whose rates increase. You usually are covered by the insurance for the car...if your friend drove your car and you had insurance on your car, they would be covered on your insurance, not their own Generally not. While you're an insured driver, it's your the policy covers only your liability. with permission from the owner, as long as there is no exclusion, and you are not a 'regular' driver, if you are using the vehicle with any regularity, you would need to be listed as an insured driver. No. The person who owns the car and has it insured will be responsible through their insurance. However, they can take you to small claims court for the amount they had to pay and will win the case.
Are you responsible if the co-owner is driving the car without insurance?
Uninsured Drivers Yes, If your name is on the title. Get insurance. If the driver or co-owner has an accident you can both be held jointly and separately liable for all damages. Both the vehicle Owners and Drivers can be sued equally and have assets attached by a court order for damages arising out of an accident in which the uninsured vehicle is involved. More s If you notify the police that it is being driven without insurance, they MAY be able to impound the car before an accident occurs. Yes, in most states, it is illegal to drive on the road if the vehicle is not insured. In fact, in most accidents, proof of financial responsibility should be shown afterwards and if you don't have one or if your co-owner can't show one, you'll get cited and can even get your license suspended or revoked. It's better to get insurance so you can protect yourself and your assets in case of any damage or accident. anonymous is correct but you should be aware that the police will do more than impound (most likely SEIZE) the vehicle. She would be arrested, her license can be revoked without issuance eligibility in North America and most UK countries, plus a record that could bar her from insurance sale eligibility for more than three years. I would take out insurance because if she has an accident, and is at fault and no one can pay you both might do substantial prison time or at the least be on scummy buses the rest of your life. Don't You think the punishment in the second answer is too harsh?
If Left lanes on some interstate roads are reserved for car pool vehicles with two or more occupants in the car - watch for what kind of signs in the median?
Can you repair a totaled car?
keep in mind that "total loss" only means that it costs more to repair your car than it is worth on the market. that 89 beretta that you had since highschool is probably a total loss from a monatary standpoint. but can it be fixed? of course it can. my wife had an 85 Buick skylark (x-car) that she thought was the greatest thing since sliced bread. we had over 6000 dollars in this 1200 dollar car(at the time) before she finally listened to me when i told her i could not do any more for this car. the rear shock towers were banging against the 1/4 panels. another example is my mother-in-laws 91 lesabre. she had a fender bender, got screwed by the insurance company, i ended up painting her car for 1700 dollars. o, don't it look pretty. 5 years later, her suspension has given up the ghost. it needs new springs, struts, etc. at that time, i told her it would cost about 2000 to fix the car, & she should consider getting a new one. she went ballistic. i ended up fixing her car & ate the labor. some things you do for family. Sure, if you have the tools and training, and get yourself a Factory Service Manual as well. yes, just make sure u know how to fix everything or take it somewhere that does... it takes money it is hard to do because usually they mark it as "totaled" since it is not worth the money to fix it..it canbe repaired, anything can be in Canada its called branded and that is what sneeky car dealers do . get these cars and put them back on the road buy getting mechs to sign papers that says its good to go . but in fact most of these cars are damage in the frame and do not handle good any more and are unsafe to drive , that's why it was takin off the road . would i trust a car like that , not in the world , a bone yard car is good for scrAP . In Most States a car that has been declared totaled by an insurance company cannot be legally repaired and put on the road. You'll find most of these cars are purchased by used car dealers that ship them across US borders to Mexico and Canada where they are repaired (If that's what you want to call it) and sold to un-suspecting motorists. HI! BOSSONE! HERE! YOU CAN FIX IT WITHOUT GOING TO THE SHOP BUT YOU MUST HAVE THE RIGHT TOOL S AND A PLACE WHERE CAN GET DOWN & DIRTY! ----------------------------------------------------------------------- Keep this in mind that anytime you repair/restore a vehicle that has been totaled by the insurance company. When you apply for a new title it will get what is referred to as a SALVAGE Title. This means the title must state that the vehicle has been salvaged from a total loss. You cannot sell it as a normally repaired wreck. ------------------------------------------------------------------------- In some states, once a vehicle has been declared a total loss by the insurance company the state motor vehicle department is notified and that's that. The VIN is recorded as a total loss and the vehicle may only be used for parts for other vehicles. In some states it is permissable to reconstruct a total loss, but the vehicle is titled as rebuilt from junk. You just need to contact your state's department that handles title and tags and ask them. Usually a vehicle is totaled when the cost of repair reaches 80% of value or amount owed on lien. It is not necessarily that the vehicle damage is more than what the car is worth but can be "totaled" because the frame or substructure of the car is damaged beyond repair. And if repaired, it would not meet the original safety requirements of the vehicle. It is not always a monetary thing. ------------------------------------------------------------------------------ TOTAL LOST can be fix but there is not going to allow to run on the road, you have to export the vehicle out of the US REBUILD SALVAGE TITLE can be fix and they are allow to stay in the us but before you can get a title it will need to be inspect
Do you need insurance to drive parents car if they are in the car with you?
Sounds like you have a permit. If so your parents policy will cover you and you will need to added their policy when you get your drivers license. Some companies require for all people in the household 14 or older to be listed. Contact your company for more details. As long as you don't live in the household, and you can borrow their car, their insurance policy will follow the vehicle.
Asked in Auto Insurance Claims
Will insurance pay to replace a windshield that has become so pitted and cloudy that it is hard to see if you have complete glass coverage?
Insurance Coverage for Glass This is considered "normal wear and tear", which is never covered by auto insurance companies, rather than an "accident" or "ocurrence", which are covered by insurance companies. Here are more opinions and friendus from other FAQ Farmers: That depends, call and ask them if your policy would cover that. I don't think the coverage would replace a windshield simply because it is old. There should be some claims related event. And remember, there will be a deductible. Ask the glass company if they would waive or reduce that before scheduling a repair. A shop around if they will not work with you on reducing the deductible. Probably not, even though it is a safety issue it is not broken, but I would check with my agent. Some insurance companies are more lenient than others. I am a insurance agent for a large company, our policies do not cover this because it is considered wear and tear over a long period of time. You would have to have a crack in the window and even then the comprehensive deductible would apply. You should not file a claim for something as minor as a window, paying out of your pocket will save your premium and record in the long run. Where do you live? If by any chance you live in Florida and have full coverage on your car they will pay for it without using your deductible The deductible does not apply for a windshield. I live in Florida and mine was replaced and I didn't have to pay anything. It was not cracked just pitted. Please call your agent
Can you use your parents' insurance policy to cover a car that's in your name?
Insurance Coverage on a Parents policy? Yes, So long as you are also listed by name as a covered driver on your parents Policy and your parents have an insurable interest in your vehicle. If you are a minor or a dependent still living at home then you might be able to get insurance cheaper through your parents than you could seperately. You "by name" would need to be added along with your vehicle to your parents policy to be an insured driver.
Can you insure a car in another state if you are not the primary driver?
Should this be any more complicated than to simply keep paying the premiums on the NJ car to the NJ insurance company? I don't think they would really care where you are as long as they are told where the car is garaged and who is the primary operator. My daughter is presently going to college in another state and will be using one of her uncle's cars that is owned by his business, but he does not want to insure her or put her on his insurance, i added her to my policy in the state of Hawaii for her permanant residency is here in Hawaii, how do i go about doing this? The current answer from my insurance company is NO!! yet my name is on the title, it appears that I will heve to sell the car to my son.
What do you do if the insurance for a totaled car does not pay off the car loan?
I faced the same thing about a year ago. The insurance company did not want to give me what was needed. I got on-line and found many cars that were just like mine and showed them that my car was worth more than they were wanting to give me. They still did not want to give me what the car was worth. So I went to small claims court and filed suit on the driver of the other car. The person's insurance has to represent them. Also go and look at the comps that the insurance company are using for your car to see if you can replace the car for what they want to give you. Answer Ultimately it is your responsibility that you either made low payments, took out a very long loan, or picked a car with high depreciation. The insurance company is not liable for the inflated amount you owe--only what the car is worth. Answer The insurance company will only give you the value of the vehicle, as per the "Kelly Blue Book". They will also send an appraiser out to see what the condition of the car was, as in mileage, any previous damage. If the accident was another driver's fault, you have to sue him and/or his insurance company for the remaining balance.Whatever you borrowed to obtain the vehicle wil always be more than the car is worth. You have already lost money on it as soon as you drove it off the car lot. But do your research. Go online for "Kelly Blue Book", and get the estimate of the car's value. If it is more, then dispute it with the insurance company. Print the page out. Answer When you bought the car new or used from the dealer you had the option to purchase something called GAP INSURANCE from them (the Dealer, not the insurance company) for your exact situation. If you did not have enough equity in your car for the insurance pay off to cover it AND did not have gap insurance. basically you are screwed and responsible for the rest of the loan amount car or no car. Some people believe Gap insurance is a rip off so they do not offer it to you and some just don't know what it is. They do not need to be selling cars. Not fair but the way of life. Father is an insurance sales man. I also had a girl hit me I had GAP insurance and she did not. She still had to pay off the balance on the loan even though she did not have the car. The courts won't do much because you had the option to purchase gap insurance and you did not, it does not matter that you did not know.
Asked in Auto Insurance, Auto Insurance Claims
Can insurance be transferred to a new vehicle?
Insurance transfer Yes, It's normal. You just call your Insurance Agent and notify them that you are obtaining another vehicle. Your agent will ask the make and model as well as the vehicle identification number to schedule the vehicle on your existing policy. Most companies automatically cover the new car when you trade, but you need to notify them of the change as soon as possible. The newer car will probably increase the premium. For days 1-4 after you purchase a new car, it is covered by comprehensive, no matter what type of insurance you carry on your other cars. On days 5-14, your new car will carry the same insurance as your best coverage (ex: if you have liability on one car, and comprehensive on a different car, your new car will also be covered by comprehensive). After day 14, you will have no coverage unless you have notified your insurance company and added the car to your insurance plan.