If an auto policy is canceled due to nonpayment how long you can be without auto insurance without being penalized for being terminated?
In my state Michigan its usually about 6 months, but i would get insured before the experation date on your proofsincase the new isurance agency wants to see proof
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Yes, but in order to avoid coverage issues, you need to consider a few things: 1. If you and your mother live together, it would be best if your mom listed your vehicle on her… policy. Otherwise, her carrier will most likely deny coverage because the vehicle is a owned by a resident relative (you). The reasoning behind this is that insurance carriers have a right to know about the risks they're insuring, which in this case would be your mom's access to a different vehicle. 2. If you two don't live together, and your mom just borrows your car occasionally, you might run into some problems, but it's not as serious. Still, your own coverage on the car will be primary (insurance almost always follows the car). So, if your mom rear-ends somebody in your car, and you have insurance on the car, your carrier will pay for the damages. Your mom's carrier would only pay if you don't have insurance, and even then, her carrier would probably come after you if you're legally required to carry insurance on the car in your state. So, simply put, have your mom contact her carrier and advise them that she will be driving a car owned by you, either all the time or just occasionally. They can make the adjustments to her policy and she'll be covered. Keep in mind, however, that if you also carry insurance on the car, that insurance will also be primary.
VERY expensive to go on your own... if you want to get a slightly lowered rate, take driver training and have your certificate handy... that will help... but also... better ha…ve a GOOD job too!
Answer \nIt depends on the insurance company. There are some out there where you can get insurance on you to drive any vehicle and be covered, it is normally more expensive …that way.
Insurance . You can get insurance anytime you like. A violation like that won't prevent you from getting insurance simply because insurance is a business, and the main goa…l just like every other business is to make money.
Answer . Call the company, Offer to make your payment and request a re-instatement of your policy.
That depends on the insurance company, the brokerage (if applicable), and the state you are in. I'm an insurance broker in California, and I sell policies for 30 companies or …so. Many of them charge early termination fees, and some do not. Regardless, my brokerage still charges a fee for cancellation within the first year, since we are the ones who have to foot the bill on the chargeback. This also helps prevent insurance fraud; some people like to buy a policy, get an insurance ID card that shows they will have one full year of coverage, and then cancel shortly thereafter. That way they can show a false proof of insurance to the police, DMV, etc. If that happens often in one brokerage, it can start to look like the broker is in on the scheme. If you are not certain whether there is an early termination fee, read your contract AND broker agreement - some brokers are not as straight forward and honest about fees as I am...
Providing you DO NOT live at the same address as the insured (in Massachusetts)
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 poli…cy 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.
Yes, if they have insurance and get into an accident, then their insurance will cover them. If they do not have insurance, then your insurance will cover them but your premium…s may go up.
Yes, cause it happened to me in Kansas. Then I had to get a n sr-22 filing.
Yes, you can. Ask your insurance company for a "broadform" contract. This contract insures you for every car you drive.
Generally, an auto insurance policy does not automatically cancel upon the policyholders death. The policy will typically continue to provide coverage to the executors of t…he policyholder's estate until the end of the policy term .
No they can't, unless you are notified for the changes in writing.
Yes. Sounds like you haven't had insurance for a while. You'll probably need non-standard auto.
Yes, you should call a direct-insurer (which is the insurance company) and you can buy your insurance from them directly.
Can your parents' insurance company cancel their auto and home policy due to you being charged with a drug crime and later the charges dismissed?
If charges were dismissed, and therefore, there was no conviction, no. In fact, it would be unusual for the insurer even to know of the charges unless, for example, there was …an auto collision related to the drug crime or use. In that event, the insurer would likely view the claim as any other, and make a determination, based upon its underwriting rules, whether this is a risk that this is a risk that it wants to retain.
Generally, yes. It is not uncommon for an insurance company to change the terms and conditions of the policies that it issues. For the most part, coverage and rate changes …have to be approved by the state insurance regulatory authority. This is because the regulator wants to be sure that the coverage provided is commensurate in the protection that the policy provides to the premium that is charged. Any changes in coverage normally occur at the time of renewal of the policy. You are certainly free to reject the proposed chages by seeking coverage with another insurer.