Question:
my daughter is not on my insurance but occasionally drives my car what would happen if she were in an accident
Answers:
I was wondering who has the cheapest auto insurance rates in the bay area california? please help..?
If she lives with you, the insurance company will fight to not pay. Anyone that lives in your household is technically supposed to be covered by your insurance policy if you ever let them drive your car. I think they define it as "anyone who has regular access to your vehicle" has to be added to the policy.I live in UT found out my CT is now suspeneded what do I do?
what you can do is when the cop asks if she is on your policy say she was just borrowing the car for the day otherwise ur hit with all the bills in full!Can you rent a car in California to use for the DMV driving test?
It depends. Is she exempted from the policy? Usually if when you get a policy they ask about everyone else who is a driver living with you. If they did, and you told them she lived there and is not listed, than they probably specifically named her as NOT being able to drive.How do I get around in Roundrock Texas if I cannot drive a car?
If she is not listed as exempt, than it is up to the insurance company and it would also depend on the type of collision she were in.
Are VW Passats affordable cars to insure?
with her being a minor & driving your car, you would be left holding the repair bills & she would be without a licenseshe wouldnt be covered, insurance wouldnt pay for your car to get fixed, it wouldnt pay for the other car, and it wouldnt pay for any medical bills. and there would be some pretty steep fines for her driving without a license. even if its not her fault, you're screwed if she wrecks it. you better put her on there ASAP or not let her drive!
My car was not totaled but i do not want a car that has been in a wreck. what are my options?
Agree with any other victim to commit fraud by saying you were drivingDepends on the insurance company. By law, it is not illegal for ur family member to drive under ur policy, they have the right to do so. tho its illegal if ur friend drives it. If she wreck it, good insurance co. will pay for it, then they would bill it to ur account, u'll have to talk with them how u gonna pay it off on the future. For bad insurance co. u gonna have a headache for getting ur claim, tho by law, they have to pay for it. And talk about the future, there will be no doubt on a rise of ur insrance payment. As well as ur daughter's. It will haunt you.
What do you do if you cant afford car insurance?
awwww, ur in toubleWill getting a speeding ticket increase ur insurance premium?? If so, by how much??
Insurance follows the car, not the driver. If you gave your daughter permission to drive your car, it should be covered. If your daughter lives in your household, you do need to tell your insurance company and have her rated as a driver. It's expensive to insure teenagers, no doubt, but they are a much higher risk than adults. I've seen people dropped for not reporting such things. Once you've been dropped from an insurance company, the rates you will pay will skyrocket with substandard companies.Do you think this is good news?
She would be ticketed with driving w/o insurance, and you would likely be sued by the people involved in the wreck. Why would you allow her to drive uninsured? At 17, some states would take her license from her as well, until she turned 21. I've noticed some people are saying you have coverage because she lives in your home. That couldn't get any farther from the truth, you would have exclusions written in your policy, regarding people living in the home and having access to vehicles. Read your policy.The know-nothings here will answer this all day but I will tell you that it
VARIES FROM STATE TO STATE. GO see which state you live in here:
I fell at a friends home and I am now out of work and may need surgery?
http://www.4carinsurancequotes.com/claim...
Who bears financial respondsibilty in accident after being hit by an unlicensed driver?
And don't believe anything these people tell you.
Can Learner drivers (with an L on the back of their cars) drive in the U.S.?
You agree when you get insurance to notify them of anyone in your household with a license (whether they drive your car or not) and to either add them to your policy, or exclude them specifically from your policy. So, if she was driving and had a wreck and was not on your policy, you would be out the costs of damage.What happens when someone hits my car with no insurance but damage is only 300.00?
Several things could happen, depending on the state you live in, the company, and the policy form:Is this rear ender a Hit & Run in Florida?
1. The insurance company can deny the claim. They wouldn't have to fix your car, and they wouldn't pay any damages to anyone else, or their car. That would leave you writing the check for both YOUR car, and the other car, and any medical bills for the people in the other car.
Can anybody help me get all the questions & answers for tne NJ new written test?
2. The insurance company can pay the claim, and add your daughter on retroactively from the date she was first licensed. They would bill you immediately for the additional premium of the youthful operator, and it would be due in full, or they'd cancel you.
3. They can cancel your policy, regardless of whether or not they pay the claim - for failure to disclose an operator. That would mean you'd have to go to a high risk company to get insurance again.
How much a car Ins. would pay for a repair?
4. If they paid the claim, they'd stick an accident surchage on your policy, which would follow you for between 3-5 years, depending on what state you are in.
I was hit by a drunk driver on 2/21, How much pain and suffering should I expect to get?
It's probably a good idea to list her.
Putting a custom number plate, on an older car. Illegal?
You would have to pay out of pocket - forget the ins. co. paying. It will be like not having ins. at all. The other driver could also sue you, and your daughter could be cited for driving without ins. In our state unins. drivers are arrested.If she lives with you she is automatically considered an insured on your policy. Further, if she had your permission she is covered. She should be a listed driver at this point, though- so please make sure to add her.
Where do you get the best deals on auto insurance in Cali?
The only way she would not be covered is if you had signed an endorsement specifically excluding coverage for her by name.
More Questions & Answers ...
This article contents is post by this website user, CarQnA.com doesn't promise its accuracy.