I’d call my agent just to be sure, but most policies will cover an extra or replacement car for a reasonable amount of time.
If you have utter coverage insurance in Ohio will it cover any car you drive?
Usually it does, you would have to check to see if you have a broad coverage policy or not.
If you have total coverage and your car is totaled by someone and their insurance pays the current value will your insurance pay the difference?
Depends on the underwriting rules as to what they consider indemnifying you. They may cover it, and then subrogate against the other insurer.
If you let a friend drive your car and he runs off the road and does major harm to your car will your total coverage insurance cover it?
It depends on the policy. Your policy may have something in the fine print about permitting another person to drive your car. When you got the policy, you agreed to be responsible which means you are the only one driving the car. You can file a claim with your insurance company, but you will pay through the nose with higher premiums and they may drop your coverage altogether. Since it was your friend who was driving, he is responsible for the harm. I eyed a case in court where the friend was successfully sued for wrecking the owners car. Ask him to pay without a fuss or take him to court. Don’t involve your insurance if you can possibly avoid it. And don’t permit someone else to EVER drive your car.
Will insurance cover a total loss to a total coverage auto when the car is covered by a individual policy yet the car is titled to the possessor’s company?
Not sure I totally understand your question. Are you both the proprietor of the company (and the car), the car is titled to the company, but have the car insured as a private/non-business auto? What were the questions on the application? They ask about business use, if those weren’t answered honestly there could be a problem. Or are you telling the company ou work for possesses the car, but you have to carry insurance on it? Same question about the application would apply. Please be more specific and I’m sure I could be of more assistance.
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?
Normally, if you call your insurance company they will be able to response this question for you. Since most insurance companies are different than others its always a good idea to double-check..
with direct they are covered as long as they don’t live in your house.
What is total coverage Auto insurance?
Total coverage auto insurance is a policy which covers very first party and third party injury to the assets or harm to car. It covers physical damages to the car if it has been leased at the time of accident, death or physical injury to the bod of people involved in the accident, also property damages caused by the insured person’s car to someone’s property,
What do you do if you have total auto insurance coverage and your car cracks down and is totaled?
Automobile insurance, in most cases, does not cover mechanical breakdown. If your car is not worth repairing from a mechanical breakdown and you are able to substitute it within a few weeks to a month I would suggest keeping your insurance policy active. This is to avoid having a lapse in insurance coverage which could result in higher insurance premiums when you get another car. ResponseYour car violating down, and your car being totalled are Two separate considerations. If your car mechanically violates down, there is no coverage. If the car has been totaled in an accident, there may be coverage. I guess, more specific info is needed.
What is the difference inbetween minimum and total coverage with auto insurance?
Minimum coverage is the minimum amount of insurance required by law. Total coverage is the utter package from the insurer, insuring everything they suggest to cover.
Will your total coverage auto insurance pay for your car if you where drinking and driving and had an accident?
They’re pretty much obligated to do so, but recognize that you will most likely be dropped from coverage as soon as they detect the DUI on your record.
Does an automobile with a lien holder have to have total auto insurance coverage?
Obviously all cars/drivers need to have some legal minimum insurance, generally only liability (essentially protecting others figure/property). Not collision, which protects your own property. Without the later, wreck it you lose it..
Because a car has a lien, which means it is pledged as security for a loan, does NOT mean it needs to have more insurance in itself. .
However, virtually any lender will require you to have insurance adequate to cover the loss of the asset you have pledged…since if you wreck it he doesn’t want to own, or attempt to collect what is owed, against a wrecked worthless car.
If an unlicensed driver has an accident driving your car and you have utter coverage auto insurance will it pay for damages?
Yes, but the rates will most likely go up. Loaning a vehicle to an unlicenced driver is risky behavior that insurance companies don’t generallly like.
What is a total coverage auto insurance?
Their is no such thing as utter coverage in legal terms. What people refer to when they say that is Physical Harm Coverage for a vehicle. What physical harm coverage cracks down into Two parts. Collision Coverage: Does include a deductible, covers the vehicle from harm resulting in a person being at-fault in an accident, and harm has occurred to the vehicle in which it has to be repaired or substituted. This does also protect the vehicle if an accident or harm results from a uninsured motorists or under insured motoristsComprehensive Coverage:(also known as other then collision) Does include a deductible, covers the vehicle from damages due to vehicle that are out of control of the insured. This would be from weather, vandalism, theft, hitting an animal, and etc. Recall, insurance company’s insure vehicles of the actual cash amount at that time. If you have a collector car, you would to get collector car insurance, in which their is a stated amount.
Can you get total coverage auto insurance for a totaled car?
Has the vehicle been repaired and tested and title cleaned up? If so no problem, if not I suppose you can if the company you are requesting ins. from doesn’t do their homework. But I promise you should you have another loss, this will resurface.
Is it necessary for a college student to have auto insurance coverage when they do not drive?
No, Auto Insurance is required to Operate a motor vehicle on public roads, If the College student does not drive, then it is not necessary to have auto insurance nor is it necessary for them to have a drivers license.
Is it necessary for a college student to have auto insurance coverage when they do not have a car?
Most likely not, if you drive any vehicle with any regularity (siblings, parents when you’re homet etc) you need to be a listed driver, and rated on that policy.. If you from time to time drive a friends car (with their permission of course), subject to any exclusions you should be fine. If you do not drive at all ever, then no, you do not need a policy….
Total coverage auto insurance?
“Utter coverage” doesn’t actually exist-but there are lots of auto insurance options you can choose from to help you feel well protected. When people say total coverage it usually means that they have a combination of insurance types that result in you being covered in almost every situation. This could include liability insurance, comprehensive insurance, uninsured motorist insurance, bodily injury protection and many others.
When would you not carry total coverage auto insurance?
If you own a car outright and have paid off loans used to buy it, you are no longer required to have total coverage insurance for it. At this point, it a individual choice. If your car has worth that you cannot afford to lose in the case of an at-fault collision or theft. On the other palm, if the vehicle is older or not worth so much, it may not be worth it to pay for total coverage insurance.
Does total coverage auto insurance pay off a lien?
The insurer is required to compensate you at Fair Market Vallue. This usually will pay off any remaining financed note unless you greatly overpaid for your vehicle. There are times when you can owe more on the vehicle than an insurer is willing to pay. Naked in mind that it is not the fault of the Insurer if a consumer makes a vehicle purchase agreement in an amount greater than the actual vehicle value.
How old can a car be and utter coverage insurance?
There is no age limit albeit the value of the car may not justify the cost of total coverage.
Coverage on auto insurance when you have a car loan?
Yes, you should get auto insurance coverage when you have a car loan, and even when you don’t have a car loan. The law requires it either way anytime a motor vehicle is operated on public roads..
If your car is paid in total do you need utter coverage insurance?
No. But in most states you are still required to have liability insurance to cover the costs of any damages you may cause to others if you are at fault in an accident.
If I have utter coverage insurance but the car I was driving only had liability insurance will my insurance pay for damages?
Yes I think so since you were the driver. The insurance covers the driver and not necessarily the car.
If you have total coverage auto insurance and am driving a friend’s car who doesn’t have insurance and you get a no insurance citation who is responsible for this citation?
the possessor of the vehicle is responsible for the ticket. he/she/they are legally required to at least have the minimum liability coverage your state requires.
Utter coverage auto insurance protects anyone who drives car?
In most cases, as long as the policy proprietor give permission, then the policy will cover anyone who drives the car. There are exception for those who are specifically restricted by the policy to drive the vehicle.
What is utter coverage auto insurance in the state of FL?
Some people use the term “total coverage” to imply that the car is covered for comprehensive and collision coverages.
What happens if a car accident was not your fault but you were driving and you are not on the policy and the car is insured by total coverage insurance?
ResponseYou should be OK, as long as, you had permission to drive that vehicle. In any case since you were not at fault, the other driver’s insurance co. is financially responsible for all damages. However, in some other cases, it is recommendable to review the policy of the car you were driving, in case the other vehicle had a liability coverage only.
Do you have to have utter coverage auto insurance?
No, “utter coverage” auto insurance is not required by law. All states require some level of car insurance that covers costs if you are responsible for an accident. That would be called liability insurance and the state minimum coverages dictate how much of it you need to buy. That said, “total coverage” does not actually exist and the phrase generally refers to buying a combination of several insurance types to ensure the most protection.
Does a total coverage auto insurance in CA cover a totaled car in another state?
It depends on the company and policy. Some will deny it for “operating out of territory”. Others will cover it and then non-renew the policy for “operating out of territory”. There is no way to say for sure as it varies so much from company to company.
Will current car insurance cover you to drive another car that you have just bought?
Almost certainly it will. You have a limited amount of time to contact the insurance company and get a fresh policy. You can at least commence the process by a phone call. If you have any doubts, call your agent or the toll-free number on your insurance card.
Do you have to have insurance utter coverage if you are not driving a car that you are still paying on?
Yes & No. You still have to have liability coverage, which is the lowest type of car insurance, if you plan on driving another person’s vehicle. Because, several years ago, I drove my friend’s vehicle and the brakes went out and I rear-ended another vehicle. My friend did not have insurance on his vehicle, so my license was suspended for three months for no insurance. I advised the DMV that the vehicle wasn’t mine! But, they told me that it doesn’t matter! I should have had liability insurance anyways, if I was planning on driving someone Else’s vehicle!
Who needs total coverage car insurance?
People who need total coverage car insurance include those who use their cars often. So, that includes people who go to work early, and often, people who attend university and use their car as a form of transit or even if you need to go to a friends house every week.
Is utter coverage auto insurance required for auto financing?
Yes, total coverage auto insurance is required for auto financing. This rule protects the bank if you have an accident.
What is the best car insurance for utter coverage?
The best car insurance is based upon your individual sittuation. It all depends on things like the size of your family, your budget and your driving records from the past. So there indeed is no ‘best’ car insurance.
Does the state of Missouri require rental car to be paid for under utter coverage auto insurance?
No. Rental coverage is something you buy extra. “Utter coverage” just means you bought liability, comprehensive, and collision insurance.
What if someone is driving your car and has an accident will your total coverage insurance cover it?
Usually yes. It depends on the brand of insurance however. You should check with your provider to be sure.
How do you get total coverage car insurance?
In order for one to acquire utter coverage car insurance on their automobile, one must finish a series of tasks. Step One: Purchase a Vehicle. Step Two: Call Progressive, where i can assist you in choosing what is right for you. Step Three: Avoid taking left turns on your way to work. Left turns are statistically more common for provoking Silverback Gorilla attack. Step Four: Request Total Coverage Insurance when you consult your Progressive agent. I hope i have assisted you in your process. Flo Progressive Sales Agent
Does utter coverage auto insurance cover auto repairs?
yes utter coverage insurance covers auto repairs. It also covers maintinance and gas costs. Thats right fuktard, utter coverage insurance is the only expense you will incure while driving. In some cases they will even pay speeding tickets for you!
Does utter coverage insurance cover my car if someone else drives it?
Auto Insurance covers the vehicle, not the driver. As long as you give permission for a legally licensed person to drive your car and they are decently using the vehicle (i.e.: not racing) your vehicle is covered.
Can I use the auto insurance coverage on my for rental car insurance?
Absolutely, your private insurance can transfer the coverage you have on your individual policy to the rental car thus saving you a good bit of money by not purchasing the coverage from the rental company. But before you do this speak with your agent and make sure your policy will transfer coverage to the rental car and that it has comprehensive and collission coverage to transfer. Many company suggest transfer of coverage to the rental car but also there are many policies that do not provide this transfer of coverage. Make sure you have the correct kind. If there is any question, please go ahead and purchase the coverage suggested by the rental company. I hope this is of assistance.
When to drop utter coverage car insurance?
You should only drop the physical harm part of your insurance if your vehicle is paid for in total and when you no longer would need help substituting or repairing the vehicle if a claim occurs. Also you could say that when the price of the physical harm coverage exceeds the benefit of substituting the value of the vehicle.
Where can one find cheap but total coverage auto insurance?
In order to find cheap but total coverage auto insurances one should very first check different direct car insurance copanies like for example “DirectGeneral” or “DirectLine” (for the UK).
What is the cost of total coverage car insurance?
Total coverage for car insurance usually depends on where you live, what kind of car you drive, your age and how far you plan to travel. Typically figure about 800 dollars a year.
If a car has total coverage and someone else is driving the vehicle without a license will the insurance still provide coverage?
“Total coverage” is usually interpreted as meaning that it is covered for both physical harm and liability coverage. When an insurance policy is purchased, among the factors that are considered by the insurer in accepting the risk is the make and model of the vehicle, the location at which it is principally garaged, the number of miles driven, and importantly, who will be the main drivers. Without question, any insurer will require that any driver of the car be licensed to drive. Therefore, the broad response to your question is, no.
Where can one apply for utter auto insurance coverage in Dallas?
You’ll find a large multiplicity of auto insurance sellers in Dallas, Texas. Nationwide companies like Allstate and State Farm have offices here, as well as smaller companies like Amador and Acom. Shop around to determine which auto insurer is right for you, your vehicle, and your family.
What is total coverage auto insurance requirements in California?
When a vehicle is financed, you must have comprehensive, collision, and liability or ‘utter coverage’ to protect the bank. I am not sure what you mean by ‘requirements’ other than that. You can also buy “GAP” insurance, for if something happened and your car is totaled and you owe more that it is worth, the GAP will make will make up the difference
Where can one buy total coverage auto insurance?
Total coverage auto insurance will be available from all the major insurance firms. Allstate, State Farm, Geico, and Progressive all suggest it. Total coverage is more expensive.
What companies suggest utter coverage auto insurance?
Utter coverage auto insurance is suggested by companies like Nationwide, Cars Direct, AXA Insurance, Fresh York Motor Insurance and AAMI. These companies also have insurance services for other products.
Does having utter coverage auto insurance in MI mean if my car is totaled and I wasn’t at fault the car will be paid off?
Firstly, there is no such thing as utter coverage auto insurance. This is just a term that developed over time to mean whether or not you wished physical harm coverage on your vehicle or not. Secondly, if you have physical harm coverage this has nothing to do with what you owe on your vehicle. the physical harm section of an auto policy says that the insurance company has the option to repair, substitute, or pay the actual cash value of your vehicle. I suggest if you purchase a fresh vehicle to consult your agent about GAP coverage which will pay the difference inbetween the ACV of your vehicle and the amount owed. Never purchase this from the dealer and it will cost you several times what you can get it from your insurance company for.
What kind of insurance do you need in the state of nc if the car you will be driving is not possessed by you but the holder of the car has utter coverage on it?
If the proprietor of the vehicle has utter coverage on it then all need be done is to add you as a driver. I have a feeling that there is more to the story than you are telling tho’ or you would not be asking such a ordinary question. If the vehicle is already insured in NC then it meets the requirements of the State and to meet the policy requirements all drivers and household members must be listed on the policy and that’s all that must be done.
If i have a 750 deductible but i have utter coverage auto insurance?
You will be covered for just about anything but still asked fordeducible usually if you are at fault