Does car insurance cover the car or the driver?

Does car insurance cover the car or the driver?Car insurance covers you for accidents, fire and theft of your vehicle depending on what type of insurance you take out. You will need to get a quote from a car insurance company to find out how much your insurance will cost and what it will cover you for in the event of needing to make a claim.

If you have PLPD and your car is totaled in an accident that is not your fault will the other drivers insurance cover your damages?

I have PLPD insurance and was in an accident that was the other driver’s fault. The lady’s insurance paid for the damages, around $3000 which was the blue book retail value of the car, and they paid for a rental car for a brief period. Since I had PLPD insurance, I had to pay for extra insurance on my rental vehicle, $12 a day extra, that their insurance would not cover and came out of my own pocket.

If an uninsured driver of an insured driver’s car has an accident caused by weather and another driver is harm to the insured car covered?

How is the driver uninsured? If he had permission from the insured vehicle holder to drive? There are policy exclusion that apply but most generally that person is considered as an insured driver. I will assume (for the purpose of answering your question) by uninsured driver you mean they have no policy of their own. Are you asking if weather conditons contributed to the accident (say humid/slick road) and they slipped into another vehicle is the insurance on the car responsible for the harm to the vehicle they glided into? Yes, very likely. Insurance stays with the car. If you could provide more detailed information regarding the driver, and facts of loss, I could be of more assistance to you.

If a person has utter coverage insurance on a car and another person is going to drive the car but isn’t listed as a driver on that insurance are they still covered?

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Normally, if you call your insurance company they will be able to reaction this question for you. Since most insurance companies are different than others its always a good idea to double-check..
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with direct they are covered as long as they don’t live in your house.

Is an uninsured driver that is driving an insured car covered if he gets in an accident?

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Yes, he should be. Most insurance companies insure the CAR and ask how many and ages of the drivers in the household to determine a rate. If you didn’t steal the car, and had permission of the holder you should be insured.

If an unlicensed driver is in an accident with an insured car will the insurance company still cover the harm?

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Most likely yes.. but your rates are going up, and the driver will be cited.

Can an unlicensed driver get insurance for his car?

Yes, if he is the possessor and has another driver he can name as primary. That said, most insurers will insure only licensed drivers and will require documentation of licensure at the time of application and of issuance of the policy.

Uninsured driver driving insured car is he covered?

If a person is driving a car and he/she is uninsured but the vehicle in which he is driving is registered and insured to another individual, the registered possessor is liable for the damages to the other pwesond’s vehicle.

Is a driver covered for rental cars if they have utter coverage insurance?

It depends on the exact insurance you have. To be sure just ring up your insurer give them your policy number , tell them what you want to do and ask them to confirm you are covered for it. Total coverage usually just means having liability, comprehensive, and collision coverages. Rental is something you pay extra to have.

Can you get car insurance with no drivers license?

Yes you can get car insurance as a provisional driver with a provisional licence. This is so you can learn in a private vehicle. It has to be under a 1.Two litre i believe. The provisional driver has to be accompanied at all times by some one who has been driving for Three years or more and is over the age of 21 years. in Maryland you have to have insurance before you can get a license but in north caroilna you have to have license to get insurance so indeed it depends on what state you live in!

Uninsured licensed driver uses my insured car. has an accident are they covered?

It is significant to understand the insurance policy that ispurchased on a drivers car. The only way that an uninsured driveris covered in an insured car is id the proprietor of the car has that intheir policy.

Is there car insurance for just the car not the driver?

Typically, insurance “goes after the car” rather than the driver. An individual that does not own a car can generally obtain “non-owners” coverage that provides liability coverage to him/her regardless of the car driven. Comprehensive coverage may be the closest to the kind of coverage about which you ask. It provides physical harm coverage to the vehicle against risks unconnected with collisions (such as a tree falling upon it, a rock hitting the windshield, and various other risks outlined in the coverage). However, comprehensive coverage is generally sold and purchased in connection with collision coverage.

Does car insurance cover car harm when driver fall a sleep at the wheel?

Total coverage generally means it doesn’t matter what caused the harm. But if the driver is at fault, he/she will be liable for possible criminal charges and future insurance rates will be higher.

Does car insurance cover the car or the driver?

Does liability insurance cover insurers car if other driver is uninsured?

No, liability insurance only covers the other vehicle if you are at fault for an accident. Coverage for your own car if the other driver is uninsured would come from one of two places: -your collision coverage, this would be the case regardless of if you or the other driver is at fault -your uninsured motorist coverage. This would be the case if the other driver is at fault. This is usually a separate part of the policy, and may or may not be included automatically in your policy depending on the state. I would suggest you either check you policy coverage, talk with your insurance agent or talk with your insurance company.

Do you have to own a car to have your insurance cover that car?

YES!!!!! unless u are married to the possessor or are common law… only two exceptions.

What if the driver is insured but the car is not?

As a rule, insurance goes after the vehicle, not the driver, therefore; if the car isn’t scheduled on a policy, one should not assume there is any coverage. The only exception would be if a person carries a policy for themselves as a named insured. Say, I had an insurance policy for myself on my own car and I dreamed to drive my sister’s car. My sister doesn’t have her car insured. The LIABILITY portion of my coverage would extend to me as a driver on her vehicle. Liability covers bodily injury and/or property harm to a third party. So, if I wrecked with another party while driving her uninsured vehicle, my own auto insurance would coverage any physical harm or bodily injury incurred by the party I hit, but that’s it. It will not pay to fix my sisters car. It will not pay for any injuries I may have sustained. You can usually purchase “non-owned” auto physical harm, if you choose. Were this coverage in place, the physical harm to my sisters car would be covered too, had I been driving.

Is an uninsured unlicensed driver that is driving an insured car covered if he gets in an accident?

The majority of the time no because it is an insured’s policyholder’s duty not to let unlicensed people driver their car because they cannot legally drive.

Three car accident car was shoved in to me by speeding driver who has no insurance will middle car who was shoved into me insurance cover repairs to my car?

If you have collision coverage on your policy insist that your insurance company pay to repair your car, subject to your deductible. This will ensure a duo of things: 1. The repairs are done quickly. Two. Most insurance companies will ensure the repairs for the life of the vehicle. So if something goes wrong down the road, you’ll be able to deal with your own company. Trio. Your insurance company will seek to recover their payout as well as your deductible through a process called subrogation. If you do not have collision coverage then you can ask the middle car (the one instantly behind you) to pay for the harm. Technically this car was stopped too close to you and had they given more distance they would not have hit you. If neither of these solutions work, then you should obtain an attorney and sue the speeder. Any time you are not at fault in a car accident you should undoubtedly seek out legal counsel. The primary reason you purchase insurance is to protect you from financial catastrophe when you are at fault. Car insurance is indeed not designed for you when you are not at fault.

If a taxi driver hits your car is it the drivers insurance or the owners insurance that covers the accident?

If a taxi driver hits you, and its his fault, the cab company’s insurance pays.

If a driver has no insurance but drives a car covered by no fault gets into an accident will the proprietor of the car be able to file a claim with his insurance company?

No fault laws refer to injuries only not property harm. If you have comprehensive and collision coverage on your vehicle the harm to your car will be repaired subject to your deductible, unless the driver is excluded from your policy. For the driver’s injuries if he does not own a vehicle then the individual injury protection on your policy will cover his injuries, once again subject to any exclusions.

If you are the driver of a friends car involved in an accident are you covered under your insurance or the owners insurance?

depends on the company and the details of the accident. most commonly the proprietor of the vehicles’ insurance will pay the claim and then subrogate (recover money paid out) against the drivers insurance company. for example, let’s say you have state farm and i have allstate. you are borrowing my car and get into an at fault accident that cause $Ten,000 in damages. allstate will go ahead and pay the $Ten,000 to the other party. once that is done allstate will basically send a bill to state farm for the $Ten,000 they paid out.

Can you get driver insurance without a car?

No- you need to give information about your car in order to get insurance on it. You could insure yourself so that you are insured no matter what car you drive, but most of the time not.

Does insurance cover the car or the driver?

Both. It covers the medical expenses of the passengers and the cost of repair to the cars. That is assuming you have utter coverage.

Does auto insurance cover any driver of your car?

no, the driver has to be on your insurance or have there own insurance. if your driving and the persons with you then yes

I was injured by a negligent driver and i wasn’t covered by the insurance on the car i was driving?

Driving without Insurance .
If you were driving a vehicle without insurance, then Yes, You were a negligent driver in doing so. You were driving illegally. .
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If you have been injured by a negligent driver than you can certainly file a suit against the negligent driver for his suit. You will be awarded a benefit depending on the nature of your injury, and in proportion to the amount of fault assigned to the other driver. The other driver can also claim some benefits if some fault is assigned to you if he or any passengers in his vehicle are injured or the vehicle is bruised. .
However, you will be penalized for not having an insurance policy depending upon the state laws and provisions, since most states require certain thresholds for auto insurance which are mandatory. If you are living in a state where insurance or your financial responsibility is permitted than it would work in your favor if you can prove that you can meet the financial responsibility.

Why have car insurance why not just insure drivers?

That could work if the only type of insurance were liability insurance (which pays for harm to others). However, many people have comprehensive insurance (which pays for THEIR harm), and some cars are more expensive to repair than others..
An insurance company faces a much greater potential loss in insuring a Ferrari Testarossa than a Geo Metro, and it only makes sense that they would charge more money for doing so.

Does car insurance cover the car or the driver?

Does progressive insurance cover if an uninsured driver gets in an accident in an insured car?

Yes they should. Did you carry uninsured motorist? The only issue is if your car had a driver that did not have a license or was living in your home and you did not tell them about this person.

How does car insurance cover parties in the car?

The Bodily Injury policy boundaries dictate how much coverage there is for the car in case of an accident that causes medical injuries. If the other party has $15K/$30K that means they have $15K in coverage for each person in the car but a maximum of $30K for all passengers. So if there are two people in the car they each have up to $15K to pay their medical bills, damages and anguish and suffering. But if the car is total with Four people then there is a maximum of $30K to cover everyone’s medical bills, damages and agony and suffering. The better policies have $100K/$300K which usually is enough to cover all damages. If there are a lot of injuries and medical bills and $15K is not enough to cover them all then your uninsured motorist provision in your own policy can cover the excess. The uninsured policy has coverage built in for “UNDERINSURED” accidents when the driver at fault’s policy thresholds are not high enough to cover all of the damages. Once you lodge with the at fault driver’s insurance company and receive a check for policy thresholds, in this case $15K, then you turn around and submit the same evidence of medical bills and damages and the check from the other insurance company to your insurance company. Depending on the state you are in you will be able to recover the balance that was unpaid from your own company. This underinsured claim will only work if your uninsured policy boundaries are higher than the other driver’s thresholds. For example, if the other driver’s limit is $25K and your uninsured limit is $100K and your medical bills are $100K then you could get up to $75K if you are in CA but if you are in NV you get up to $100K. There is also property harm coverage to pay for repairs, loss of use of the car while it is being repaired (rental car bills) and any property that was bruised during the accident (sunglasses, cell phone, clothing).

If a car has insurance where it covers any one who drives it dose the driver have to be insured?

Assuming your car is insured any driver is normally considered an insured also. However, if this driver is a spouse, child or someone who regularly drives the car and the “driver” has a bad record and you don’t want to pay the premiums, your insurer could deny the claim. Also the proprietor of the car is ultimately responsible lending your car out ruins friendships.

Does your insurance cover your car when an uninsured driver is driving and have a wreck?

It indeed depends on the type of coverage you have. Normally if that person had permission to drive the vehicle, you have utter coverage/collision insurance, and that person was at fault your insurance will cover damages. If someone else caused the accident, you would still receive damages from their insurance if they were insured. Sometimes however the driver’s insurance would cover your damages under certain circumstances. As always, it is truly best to ask your insurance carrier or refer to your most latest coverage letter from the company.

Does insurance go with car or driver?

it stays with the person but you have to regester any switches. EG: fresh moter…

If an unisured driver has an accident in your car will your insurance still cover it?

Very likely. When you purchase insurance, you are insuring the car. If you drive someone else’s car and have an accident, their insurance should cover the costs (but their insurance *may* sue your insurance company for compensation/reimbursement.)

Does car insurance cover a car that was violated into?

It depends on whether or not you carry comprehensive coverage on your car. Comp is an optional coverage if you own the car outright and may be a mandatory coverage if you have a loan on it. But the comp coverage would only pay for repair to the car. If you have items in the car that were stolen, however, they would actually be covered by your homeowner’s or renter’s insurance and NOT your auto insurance.

Does your car insurance cover car rental?

There are exceptions to this but normally the car rental firms insurance covers the the car, if in doubt always get CDW when renting a car (Collision Harm Waver) if you have OPCF 27 on your car insurance then your insurance will cover the rental car, its called the Laibility for harm to non-owned automobiles. you must have collision and comprehensive for this coverage to work.

Does car insurance cover injuries?

Yes. Whose injuries and how much maximum can vary greatly. The best thing to do is to find a knowledgable agent that you like and can trust and sit down and discuss your needs and wants. A good agent will find the right prce for what you want. An independent agent is your best bet as they represent several good companies that are competetive in their area. Mainly, find one you like and can trust.

Will an insured driver liability cover intentional damages to uninsured car that is parked?

Yes, as long as the car is parked on private property. Cars stored on private property and not “in service” are the same as any other property, If the insured runs into your parked car our your house the insurance will pay. That’s not fairly correct. If the harm was intentional, meaning that the driver of the insured car deliberately struck the uninsured parked car, then the at fault driver’s insurance will NOT pay because of a clause in the policy that excludes coverage for ‘intentional acts’ like criminal activity (which is what this is). So the parked car’s proprietor would have to pursue a civil case against the at fault driver and attempt to collect against their private assets.

Will an insured driver who hit an uninsured parked car on purpose cover the damages?

Always make sure you call the police in case of an accident and take lots of pictures and take down the other drivers information. There is an exclusion in most auto insurance policies for something called ‘intentional acts’ and if you hit a car on purpose then you have committed an ‘intentional act’ and are subject to having the claim denied. If the claim is denied like it should be then the proprietor of the uninsured car can still pursue a civil act against the at fault driver and win a judgment to pay for damages, it’s just that the at fault driver will have to pay out of their own assets rather than from the insurance policy.

Can you get insurance after your car is stolen and it be covered?

If you attempt to get theft insurance after the car is stolen you will go to Jail! The insurance companies have no sense of humour about FRAUD! Penalty for Insurance Fraud in the U.S. is up to 20 years in prison.

Does car insurance cover the car or the driver?

Is your car covered if the driver does not have insurance?

If you have insurance on a car anyone who you give permission to drive the vehicle is covered under your insurance. This is normally covered when insurance companies ask if there will be any other drivers for the vehicle.

Would a suspended license driver be covered under utter coverage car insurance?

Not in Canada. If your license is suspended, then any insurance claim that resulted from you driving while suspended would not be covered. If the car was bruised and it was parked and not being operated, then that is covered. But not if you are driving it.

What does esure car insurance cover?

Esure car insurance covers harm to your car, fire and theft, windscreen harm, breakdown assistance, private injury among other things. Esure seems like a safe insurance company.

Do you need a car to be an insured driver?

Not one of your own-generally you are insured by the holder’s policy if you are using someone else’s car (with permission)

Does car insurance cover the driver if he is not on the policy?

It may and it may not. It depends on the definitions of an “insured” driver under the terms of your insurance policy and the type of insurance policy you bought. Most standard policies will extend coverage to certain drivers you have given permissive use while others such as low cost “Named Driver” policies extend coverage to no one other than those named on the policy. Contact your insurance agent if you need assistance with your policy language.

Does NJ car insurance cover the vehicle or the driver?

Every policy is different and you should certainly be sure that you understand the policy you are introduced with before signing. That being said, most basic insurance policies cover harm inflicted BY your car TO a different car while a specific driver or drivers is in control of the car. There are extra forms of coverage to protect YOUR car (like collision coverage) in case of an accident. When the policy is purchased, the insurance agent will ask who will be driving the car so that he has an idea about how much risk there is on the car. If somebody drives the insured car other than the listed drivers, coverage may not be afforded.

Will insurance cover an accident by an unlicensed driving a licensed insured drivers car?

It just depends on the type of insurance policy that was in force on the car and whether the unlicensed driver is considered an insured under the terms of the Vehicle owners Auto Insurance Policy. If the Vehicle Holder has a “Standard Form Policy” then in most cases where there is no disturbance of law, fraud, or deception, a permissive use driver would be covered under the owners policy. If the Vehicle Possessor has a “Named Driver Policy”, Often referred to as a “Limited Lines Policy” available as a more economic option in some states. Then no drivers other than those listed on the policy are covered. It’s best just to contact your agent or your insurer to determine the extent of coverage provided under your auto insurance policy. If on a standard form policy and the accident is covered, you may be surcharged an extra premium or suffer policy cancellation for the negligent act of permitting an unlicensed driver to operate the vehicleReactionGenerally, if they cover the loss, it would be the insured’s driver’s car insurance. This question indeed is to general and indeed requires specific policy review.

Will your car insurance cover the losses of the other car if driver of the other car has no license?

Yes, it will. The fact that the other driver had no license has nothing to do with coverage and liability.

How do i get youthful driver car insurance?

if you are youthfull driver, means you have embarked to drive the car almost, and want to take own car,then you need to take youthfull driver car insurance,for that you have to check online for the information about car insurance ,because it totally depends where you live,check online insurance for youthful driver then compare their or call insurance agent for more information, Good Luck

Can a youthfull driver have car insurance?

Generally yes, they can. If you want your own insurance you are likely going to have to get set up with a sub-standard carrier but those usually cost a bit of money for inexperienced drivers. If you are still living at home you could ask your parents to be added to theirs.

Do I need to insure my car if I have drivers insurance?

It is uncertain what you mean by “driver’s insurance”. There is akind of liability insurance called “non-owners coverage” that isoften required under a state’s Financial Responsibility Law when anindividual has been in an at-fault collision, did not have therequired liability coverage and when the other party’s damagesexceeded a stated amount, or when an injury occurs. It is alsosometimes required when a judgment is entered against an individualfor an auto collision and the judgment remains unsatisfied.Non-owners coverage generally will “go after the driver” irrespectiveof the vehicle that he or she is driving. Non-owners coverageprovides no coverage for the vehicle itself such as for its repairor replacement in the event of a collision.

Does auto insurance cover drivers who borrow the car?

Yes occasional authorized use by other licensed drivers carriesover. It has to since mechanics etc have to test drive for repairs,valets, etc etc

How do you get a car and insurance for your drivers test?

If you don’t have any relatives or friends with cars, then you should attempt a driving school. If that isn’t prompt enough for your needs, then maybe talk to whoever is creating those needs. If your employer requests that you have a license before you can make it happen, maybe they will either put off their requests until you can arrange to get a license, or find a way to provide you with the means to take the test. You might also (if you have the financial means) actually purchase a car. If you are buying, the dealership might work with you to make sure you can get the license, and if not, a private holder might sell to you and make a deal with you that includes providing for the test. If you buy used from a private proprietor, as long as it is a car that fits the standards for the test, you might be able to find an inexpensive deal.

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