What does it mean when someone is excluded from an auto insurance policy?
By excluding a person from an auto insurance policy, you are stating that the "excluded" person will not drive the insured vehicle, and that you understand that the "excluded" person is not covered by your insurance in the case of any traffic violation (accident, ticket, etc.). Answer It means there is no coverage available to the excluded person in the case of an accident while driving the said vehicle. There will be NO COVERAGE.
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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 have a GOOD job too!
Answer . \nI guess it depends, most policies have these coverages, some standard some optional.\n. \nLiability\nProperty Damage\nMedical Payments\nCollision\nOther Then Collision (Comprehensive)\nUninsured Motorists\nUnderinsured Motorists\nRental Reimbursement\n. \nEach state varies, some mig…ht be offered or not. (MORE)
Answer . \nYou can't unless they tell you who they are insured with. Who a person is insured with or even if they have insurance is a private matter between the insured and the insurance company. Now, if there is an accident and the police come to the scene they will collect that information an…d put it in the accident report. This is why it is crucial to always call the police to the scene of the accident no matter how much the other person begs to give them a break. Always, always!!! call the police to the scene of an accident. The exception is if the accident is on private property. (MORE)
get a copy of the police report. it gives you the name of other parties insurance company and policy number.
I am a licensed insurance agent. Comp is if your vechile is stolen, or damaged by something other than a car which you will have to pay the dec. Coll is if you get into a car accident and say the person did not have insurance then your coll would kick in. But in most cases there property damage will… cover you depending on the state. I am from Florida and it is a no falt state so it doesnt matter. You need to check with your agent and see your dectibable. I would suggest uninsured motorist just in case they don't have insurance your medical will be paid. But that has nothing to do with the com/coll. hope it helped.Tammy (MORE)
The loss payee is any entity that has financial interest in the vehicle (usually a financial institution) that notifies the insurance company and the policy holder of that interest in writing. Any entity can be a loss payee, including your father, if he can show financial interest. . Answer . T…he loss payee is usually the finance company that holds title to your vehicle. In the event of significant damage to the vehicle the loss payee needs to sign off on the check from the insurance company for the damage. This usually happens after the damage has been repaired. In the event of a total loss the loss payee will be sent a check for the amount of the loan and anything left over will you to the insured. Hopefully you won't owe more than the car is worth in the event of a total loss. (MORE)
Answer . \nYes as long as the named insured is not a spouse, or if the spouse does not drive and does not have a drivers license the spouse can also be excluded.
Maybe add maybe not - Read further . If you need to it can be done. Wether or not you need to depends on some of the factors listed below:\n. \nAre you wanting to add them and their vehicle?\nIf yes, then only if you have an insurable interest in the vehicle (Your name is on the title as well as… theirs) otherwise they would need their own policy. This is true for most companies, but there are a few like Progressive that do not ask about insurable interest.\n. \nAre you wanting to add them just as a driver of your auto?\n. \nAnswer depends on how much they will be using your auto.\nOccasional operation by a non-relative not living with you is generally allowed without them being added to your policy. If they will be using your vehicle on a regular basis most companies require you to add them. Thge price to add them will vary depending on their age, driving record, sex (M/F not Y/N), type pf vehicle, etc. (MORE)
You can definitely exclude your spouse from your auto insurance.They shouldn't be driving if their license is suspended so theydon't need insurance.
Answer, I did in Oregon & Washington . \nI did in Oregon last year (2005)with Progressive. But it cost an extra $15 a month. You can in Washington also for extra $.
Answer . Clas on an auto insuranc epolicy refers to the vehicle type.. IE , sedans, sport, luxury, non-owner, etc.., etc,,,
Your 20 year old daughter lives at home with her own auto insurance do you have to exclude her on your own policy?
Answer . No, you do not have to exclude her, but if she is rated on your policy and you are paying that higher premium and want to exclude her to reduce that you might be able to, but remember if she's an excluded driver under no circumstances should she ever drive that car, as there will …be no coverage, on your vehicle or the others she damages should she have an accdient in it that is her fault. (MORE)
Answer . They must let you know with enough time prior to the cancel date, (which is different than a non-renew, cancelling rarely occurs), for you to seek coverage else where.
Surcharge: Additional premium amounts charged to a policy due to ticket, at fault acccidents, higher risk, youthful or inexperienced driver, etc... Discounts: Credits that can be applied to part or all of the coverages on a policy: Anti lock brakes, alarm system, airbags, multi-car, association memb…ership (like AARP) Hope that helps.. Surcharge :Additional reasons : bad credit history, claim frequency is high, tickets, DUI (driving under influence) , speeding, teenagers, over 70+,. Discounts :Additions to above : Internet buying (few companies), good driving record, good grades for teenagers, multiple car policies with same insurance company, multiple coverages (auto +home), no traffic violations for more than 3 years, defensive driving, driver training courses, higher deductibles. (MORE)
Answer If you were in an accident with this person and a police report was filed, the police department will likely have this information. If a police report was not filed, you can either file a report after the fact or take the person to small claims court. The police and/or judge may be able to c…ompel person in question to disclose the information. (MORE)
Answer . Answer If you have Auto Insurance and it's on your parents Insurance Plan then yes you have Insurance, but if you are on a friends Insurance Plan, I don't think you'd be covered in an accident unless that person is your girlfriend, boyfriend.
One of my family members was hit by a driver who carried insurance but was an "excluded" driver on the policy of the car she was driving. After talking to the other person's insurance company, an excluded driver is essentially equivalent to an uninsured motorist. That means that his/her insurance co…mpany will not represent them and that, if they are liable for the accident, your insurance company can go after them personally for the damages. (MORE)
No , the reason is that there could have been an accident or any other situation. An auto insurance policy must be in force it cannot be back dated.
Can the court alter the terms of an insurance policy through awarding claims excluded in the policy?
The court can make any judgment they wish in regards to a claim regardless to what is covered by the insurance companies policy. What happens is the individual policy holder is now on the hook for the damages that the insurance company is not going to cover. The terms of the policy would be inforce …unless a court of authority finds the insurance company was negligent in it's exclusion of specific terms in the policy. So basicly the insured person who was covered by the policy is out of pocket the amount of the awarded claim regardles of the insurance company covering that exclusion or not. (MORE)
Yes, In the United States, It's called a Personal Non-owners Insurance Policy, sometimes referred to as a "Drivers Policy" or an "Operators policy". Non Owners insurance however is intended for "unplanned, unexpected" usage. It is limited secondary coverage (liability only) that only invokes once th…e vehicle owners policy limits are exhausted. A personal Non owners Auto insurance policy generally does not provide coverage for a rental vehicle since a rental vehicle typically includes a reservation and several actions in a course of a "plan" to rent the vehicle. It does not provide coverage for a commercial vehicle of any type since it is a personal lines policy, (Personal lines auto polices do not cover commercial vehicles) nor for any vehicle that you drive on a regular (expected) basis or that you have regular (expected) access to. If you are considering a Non Owners Auto Insurance policy, be sure to discuss the coverage offered with a qualified insurance agent. Your agent can explain the limitations of coverages afforded and help you determine if it's right for you. The rules of Policy construct may vary in other countries. Answer YES, I can verify this, it's a national policy and will be good for any vehicle you drive anywhere. But you do not need it. If you do NOT OWN A Vehicle of your own, registered in YOUR NAME, At your address, (They do not check) you will automatically are covered under that vehicle owners policy no matter what happens." (MORE)
Yes, however I have seen a few cases where you may run into trouble. For example in an odd set of circumstances where a child lived with Grandma and because she was not the legal guardian they would not allow it as a permitted driver... this is rare and we were obviously able to find her another com…pany but it can happen.... long story short, you should have no problem. (MORE)
It depends on which company your uncle is insured with, but typically with a standard insurance company you have to live in the household to be a listed driver on the policy. This is regardless of your relationship to the primary insured. If you are not listed on the policy as I driver you are sti…ll insured to drive his vehicles as long as you have permissive use. (MORE)
Car insurance typically follows the owner of the vehicle, not the driver. In the cae of an "excluded driver", unless that driver has his own policy that assumes coverage for a "borrowed" car, the original vehicle owner would be considered pursuable as an uninsured motorist.
I think that if a person is insured and lives in the same household than you shouldn't have to exclude them from driving your car if they are a relative
You can not buy Life Insurance if you have HIV because it is a disease that can kill with no known cure. There is the option to buy a Guaranteed Issued policy if you can afford the premiums.
If you take a look at the "Exclusions" section of your policy you will see several perils which are specifically excluded. For example, if your home is damaged by "war" then your insurance company will not provide coverage for the loss. There are several excluded perils. Take a look at your policy f…or more examples. (MORE)
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 the policyholder's estate until the end of the policy term .
Auto insurance companies hire insurance underwriters, who can also be referred to as writers, to underwrite the risk a driver poses to the company. Underwriters determine how much a policyholder will pay for their insurance rates based on how much risk they carry. If a driver has tickets and acciden…ts, an underwrite will rate them accordingly. Underwriters are very important in insurance because they make sure that policyholders pay the correct rates to prevent the insurance company from going bankrupt. (MORE)
That would mean your "Un-Insured". also known as "Failure to provide required Financial Responsibility". The owner of a vehicle can be held equally liable with the driver in the event of an accidental loss. The owner can still be sued even if they are not in the vehicle at the time of an accident…. Just like if your dog bites someone and your not around when it happens. You can still be held liable because it's your dog. Well, If your car injures someone and your not around, You can still be sued jointly and separately along with the driver for any injury or damage. The Finance company wouldn't like it either, They may Repo it. If the financed party is excluded from the policy then that person has defaulted on the finance note. They are uninsured and no coverage would be offered to cover the excluded drivers losses and obligations to the finance company. This is a violation of the finance contract. Auto Insurance is "Not" for the "Car", Auto Insurance is to protect "People" from losses that may arise from ownership or operation of a motor vehicle. It's not a good idea to exclude party's with liability interests from the policy (MORE)
Technically you shouldn't, especially if they are the main driver of one of your cars. Now if your child drives the car sporadically it isn't such a big deal but it would be your safest bet to include them, even though your rate will mostly likely raise considerably.
Yes. Sounds like you haven't had insurance for a while. You'll probably need non-standard auto.
If you have an auto insurance policy, and you want to either switch companies or cancel your coverage because your vehicle is no longer in commission, you have the right to do so. While the process of cancelling a policy will vary amongst insurers, most insurers will request a letter of cancellation… in writing with your policy number, requested date of cancellation, and your signature to cancel your policy. If your vehicle is non-operable, some states will require proof of the date you reported the vehicle as a non-op to the DMV. If you are switching companies, you may be requested to provide a copy of the declarations page from the new insurer showing the effective date of the policy to backdate the cancellation. While some companies do not charge a fee for cancellation, others will short rate your premium and charge a percentage of the unearned premium if you cancel your contract before renewal. (MORE)
A non-standard auto insurance carrier is an insurance company that insures higher risk drivers - such as drivers with multiple tickets or accidents and/or poor credit.
By co-signing the loan, they are guaranteeing that you will repay the loan. They do not need to be on the auto insurance policy, but it would be in their best interest.
No. The insured must be the owner of the vehicle on the title. The only time this can vary is in the case of a husband, wife, and minor children who live in the same household. All residents of the household as well as any drivers must be listed as drivers on the policy. Some companies will allow th…e owner to be listed as an insured and not be listed as a driver but only if the owner does not have a license. This will also require them to sign and exclusion which is an agreement that the person not drive the vehicle and if they do drive there is no coverage whatsoever on the vehicle while the excluded driver is driving. As a matter of full disclosure, I own and operate a small Independent Insurance Company in Central Georgia and have for the past 22 years. Prior to that I worked as an agent for a direct writer of insurance for 3 years. (MORE)
Yes, You will need to file a form 515A with your auto insurer. The form 515A excludes your child or any other person from all coverage afforded under your auto insurance policy. Bear in mind, that once the Form 515A has been filed, There would be no coverage if the excluded person is later involv…ed in an accident in one of your vehicles regardless of the reason they were driving. The exclusion applies to liability for damages and injuries to others as well as damage to the vehicle being driven. If your agent refuses or declines to provide you the form 515A, you can submit the form directly to the insurance company, bypassing the agent or alternatively just find another company that will allow the exclusion. (MORE)
It just depends on your situation. You can not purchase insurance for or with someone unless you have an insurable interest in that which is being insured. For example, If someone is driving your vehicle or you are driving each others vehicles then you each have an insurable interest because t…he law requires you both be insured to drive the vehicle on public roads. Also your auto insurance contract requires that you disclose all drivers that have access to your vehicle. Failure to disclose a driver is a well known form of insurance fraud and can result in no coverage at all for an accident. If you each have your own vehicle and do not have access to each others vehicle then you would have no insurable interest in the other person or in their vehicle and can not insure with them. (MORE)
Not usually. With most companies the spouse will be required to sign the exclusion. I always recommend my clients against excluding people from their insurance policies. An exclusion takes away all coverages on a policy if the excluded person is driving not matter what the circumstance. Back to you …original question, it is up to the insurance company whether or not the spouse must sign to be excluded. (MORE)
"Yes, GIO Insurance does offer automobile and motorcycle policies. They have a wide range of policies that range from about fifty dollars a month to anywhere to three hundred dollars a month."
A lender can force you to have a current auto policy because they want to make sure their vehicle will be paid for if an accident happens.
In New York State can you exclude a spouse from your auto insurance policy if she will never drive due to a lifelong disability?
As long as you let the insurance company know that you are married and the reason she will never drive the vehicle.
I am pretty sure that they can do that I'm a little younger than you probably think so. Hope it helped, Abbey
If there is a policy on your life the person currently listed as the beneficiary will be paid upon your death. The person listed as the owner of the policy is the only one who has the right to change the beneficiary. Usually the owner and insured are the same person but not always. You may wish to c…heck on this and change the beneficiary if your situation has changed. (MORE)
What does a rider on disability insurance that excludes coverage for existing diabetes mean for that policy?
The rider is simply called: "diabetes exclusion" - excluding any disabilities that occur due to diabetes.
Is there an auto insurance company in pa that will allow me to exclude my husband from my auto insurance policy?
I'm sure there are several auto insurance companies that will allow you to exclude your husband. You need to know what exactly this means. It means that if he drives one of the vehicles on your policy for any reason at all that there will be no coverage provided by your policy. In exchange for this …exclusion you will not be charged anything based on his driving record. Remember that it makes no difference if you get back together for a weekend, if there is an emergency and he drives you to the hospital, if his car is torn up and you let him borrow it, there is no coverage until after the exclusion is lifted by the insurance company. You do not have the authority to lift it yourself, only the company can. If you still want to do this I recommend that you go see and independent insurance agent who represents many companies and let them search for the best rates and coverage of companies for what you want. (MORE)
A non owner's automobile insurance policy is a policy for a person who is required to carry insurance due to licensing but who does not own a vehicle. We deal with this occasionally when a person is trying to reinstate their drivers license which was revoked due to the person not obeying the insuran…ce requirement laws so the department of motor vehicles requires them to provide proof that they have auto insurance even if they do not own a vehicle. This is usually the result of several tickets for driving without insurance that caused their license to be suspended. (MORE)
I don't believe it was explained to you correctly. You probably received a notice of cancellation from your insurance company and someone in the office told you they were going to put you in their indemnity company. Many direct writer insurance companies have a second company that they either have a… completely different name or it may have a similar name to the main company. Allstate for instance has Allstate Insurance Company and Allstate Indemnity Insurance for people who have had too many claims or tickets and no longer fit the preferred companies guidelines. (MORE)
The best way to train businesses on auto policy insurance is to review the entire policy in detail, especially going through any exceptions to the policy.
Not really. You cannot insure anything that you don't own. The exception to this is a married couple where vehicles owned by the husband or wife can be insured as if owned by either. After divorce this legal bond is broken and therefore so is the exception on your insurance. The vehicles must be ins…ured in the name of the legal owner of the vehicle, and all household residents and drivers must be listed as drivers on the policy or excluded. If you are just trying to keep the married discount or multi-car discount it's not worth it either. (MORE)
If you have expenses due to being bitten by someone's dog, one waywould be to go to your insurance company to make a claim. They willgo after the people for you and find out if they have umbrellainsurance.