Talk to any insurance agent, but I would think any business liability insurance would cover you. Actually, the owner's insurance would probably cover any liability to someone you hit with his car, and if he has full coverage, his damage too. However, that company will probably try to recover its payout from you.
Most insurance companies sell policies that cover a six-month or one-year period.
But, you might want to contact the carrier for your family car. They might agree to add the Toyota for a month or so. This would mean an extra premium charged to your policy, but it should be fairly minor.
Then again, they might not be able to do such a thing. If that's the case, you could approach another carrier, buy a six-month liability policy for the Toyota, and have the payments set up on a monthly basis. Then you'd just pay the first month and let the policy lapse. The problem with this, of course, is that you'd eventually run out of new carriers over the years, and there's a slight possibility that your credit rating could be affected. So, probably not the best approach unless you're desperate and can't locate a carrier -- including your own -- who will help you out. And by "desperate" I mean that it's always preferable to have insurance on the truck as opposed to risking an accident without coverage.
Another option: Sell the Toyota and simply go to U-Haul or Home Depot and rent a truck for the annual trip. At most you'll pay $75.00 for the day, including insurance, and at the end of the day, you get to drop the thing off and not have to worry about maintenance or the Toyota taking up parking space.
You are required to add a child to the policy because almost every policy is a family policy, in that every resident relative is covered to drive your vehicles contractually whether or not they are listed as an operator on the policy. See your Definitions section of the contract for 'insured driver'. What that means is that the company is legally on the hook for paying if they drive or not, so they are deffinitely going to collect the premium for it. A NDE (Named Driver Exclusion) is a possibility, but be warned: these are usually underwriting decisions by the company (We'll nonrenew you unless you sign this NDE for your son who has had 4 accidents in the past 3 years.) so if you ASK for an NDE and one is applied, it will still be considered generally as though the company asked you to have one when you want it to come off. In that the company may NOT WANT to take it off, may have some guidelines (no accidents/tickets in past 3 years for example) for when one can come off.
Yes, I do think that insurance companies will raise the cost of insurance, because you are a teenager(well that's what I'm guessing). But, it may go up even higher when you get your driver's license because you would be able to drive by yourself most of the time without a parent. And insurance statistics confirm that teenagers drive fast, wreckless, and less-experienced. So the good has to suffer because of the bad. So to answer your question, the rates will most likely go up, but not as much as if you were on your own insurance.
You would need insurance if you are the owner of the vehicle. Assuming that you are a teenager you cannot register a vehicle or purchase insurance in your name until you are 18.
The car would need to be registered to an adult and they would have to carry the insurance and list you as a driver.
You can lose everything you have if you have an accident and are not insured. The other party can obtain a judgement which can follow you for years.
The insurance company can ask you a lot of things that you don't think are any of their business, but if they are insuring your auto, they have every right to ask about all lisenced drivers in your household.
It is based on your location.
It's difficult to rate a vehicle being driven by a person in another state. Of course, insurance companies do it all the time for parents of college students, but even if they live in another state during the school year, would still consider their parents' homes as primary residences. This creates a "loophole" of sorts as far as insured drivers, insured vehicles, etc. go).
The premium you pay is based on you and your location. Don't get yourself into a material misrepresentation situation where coverage is denied because you kept important information from your carrier.
Assigned Risk auto insurance is insurance placed by the state. The agent submits the auto application to the state assigned risk plan. The state plan then assigns the application to a licensed insurance company for issue. The agent may or may not have a contractual relationship with the assigned carrier. Generally the assigned carrier is required to offer insurance for three years only.
Non-standard auto insurance is purchased from the agent or directly from the company. If purchased from an agent that agent has a contractual relationship to the company issuing the policy.
This is a strange situation, because almost all automobile insurance policies carry a grace period of at least 15 days (usually it's thirty) for adding a new vehicle. And, in your case, it's a replacement vehicle, so it's not like you're trying to insure two vehicles for the price of one.
Unless your policy expired or was cancelled -- or unless it has something to do with your vehicle being a lease -- I can't imagine why your carrier would deny coverage.
It's unlikely you have any recourse against the dealer, who would (rightly) assume the coverage had been transferred. You need to dig deeper with your own insurance and find out just why they denied coverage, as well as ask for a copy of your policy and get your carrier to quote the specific language on which their denial is based.
If you can't discover any reason in your policy why they would deny, this would certainly be a matter to bring up with your state's division of insurance (usually locatable on the web or in the blue pages of your phone book). Most divisions of insurance are fairly powerless unless they discover an insurance company has contravened a provision in a first-party policy, at which time they can help you quite a bit (including fining your carrier).
This is a very odd request from the leasor. Unless you and your friends are incorporated or considered a business, no insurance carrier would sell you this type of policy. Also, any such coverage would probably duplicate the liability coverage you already carry on your vehicles.
Instead, you might ask the leasor to consider writing in a "hold harmless" agreement in your lease. This basically places any liability back on you, and keeps the leasor safe. Quite frankly, given the situation you described, I can't imagine what the leasor needs to be safe from, unless it's a case of off-roading and the land is open or available to the public. It's possible the leasor is worried that the land is an "attractive nuisance," meaning people can enter it freely and run the risk of being hit by a vehicle being driven by you or your friends.
In a broader sense, it is so the company can reevaluate its risk and adjust your rate properly. Sometimes your rate may go up at the six month point and sometimes it may go down.
If you only could purchase a 12 month policy a company would be more inclined to charge more to cover the possibility that they would be assuming additional risk.
In most cases the name of the registered owner does have to be the name of the insured. But some companies may issue policies to anyone for any car, owned or not.
12 states and Puerto Rico have no-fault auto insurance laws. Florida, Michigan, New Jersey, New York and Pennsylvania have verbal thresholds. The other seven states — Hawaii, Kansas, Kentucky, Massachusetts, Minnesota, North Dakota and Utah — use a monetary threshold. Three states have a "choice" no-fault law. In New Jersey, Pennsylvania and Kentucky, motorists may reject the lawsuit threshold and retain the right to sue for any auto-related injury. Colorado’s law reverted back to the tort liability system in July 2003.
That depends a lot on if you are military or not. USAA and Progressive are two companies that have good outside the US policies.
If you are non military / civilian, I would contact the larger carriers and find out if they also service Canada.
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It looks like there are two questions here, but really they fall under the same answer.
One, if your kid is excluded from driving one of your vehicles, it's pretty much a "done deal." By that, it means that anytime he drives one of your vehicles -- even if it's just to park the car -- he would be excluded. Your insurance company wouldn't pay for any damages he caused if he had an accident (though sometimes they will pay the damages to your own vehicle under your first-party coverage).
If he's just gotten a learner's permit, and you plan on letting him drive (even with you in the car), the exclusion would still apply. You can argue with your carrier until you're blue in the face, but if the exclusion still exists, they won't cover damages he causes while driving.
Your best bet: Remove the exclusion and, as your carrier suggests, add your kid on as an occasional driver. A lot of companies don't even offer the "occasional driver" provision, so you're probably going to save money that way. However, once your kid gets his actual license, and starts driving regularly, he needs to be added on as a regular driver.
Hope that answers your question. I couldn't tell from your question, but it seems like your carrier is requiring your kid be added as an occasional driver because he's gotten a learner's permit. This is a reasonable expectation in my book, because your carrier would naturally expect the kid to drive with a learner's permit.
If you have complete glass coverage they should replace it but what I would do is throw a nice sized rock at it and make sure there's a spider crack and then they'll HAVE to replace it.. Do that as a last resort tho, tell them a truck kicked up a rock on the highway and cracked your windshield.. LoL
(This would be considered insurance fraud. You may or may not get away with it but it is still fraud. Knowledge of this to your insurance company would get your coverage dropped and make it difficult, or really expensive, to obtain new insurance. I would not suggest intentionally cracking the glass on your windshield for a few hundred dollars in out-of-pocket expenses. This is considered "wear and tear", which is never covered by insurance companies, rather than an "accident" or "ocurrence", which are covered by insurance companies.)
There are several factors that need to be considered.
"Family member" is a term rarely used on an automobile policy. My brother who lives across the country and probably doesn't even know the color of my car is a family member, but he MAY NOT be covered to drive my car. On the other hand, if he came to visit, borrowed my car and had an accident for which he is liable, those damages would likely be covered.
Look for the term "resident relative" in your policy. That will dictate coverage questions for family members living within the same residence. The key here::: is there someone either residing in your household or related to you and driving your vehicle frequently enough that they should be 'rated' so that your premium payment accurately covers your probable risk???? (i.e., you may have a child that attends college away from home, but returns on major holidays and summer breaks.... you may have a sibling, down on their luck, waiting for finances to improve, but staying with you and using your vehicle to get to job interviews......)
If you have non-standard coverage, the carrier will likely require you to list everyone in the household; those who do not have a valid drivers' license, or do not meet their underwriting criteria, will be specifically excluded.
It depends on the insurance company. Despite popular controversy there is no guarentee of what exactly will happen.
When it's time to renew your policy, the rates may be considerably higher and in some cases could be cancelled. Some companies will still insure you as long as you provide an SR-22 certificate of financial responsibility.
Others will at minimum report this to their (ins companies) network which could cause problems for you later down the line.
When you get your license back, if your policy has been cancelled go to www.progressive.com as they specialize in high risk drivers. I also know a few more second chance companies. E-mail me if you need more help.
PLPD stands for Public Liability and Property Damage. It satisfies your obligation to the state, and offers no coverage to your vehicle's damage.
Whether you live in the same residence as your mother or not, you bring up an important issue when you say "we're thinking this will be the most inexpensive way for me to drive."
Most carriers will allow your mother to carry insurance on both the vehicles, though there could be a problem if you live in a separate residence and keep the old car there. However, all carriers would require that you be listed as an insured driver, particularly if you're the main driver of your mom's old car.
Not adding you to the policy, and then admitting that you thought it would be the most inexpensive way to drive, is essentially material misrepresentation. Your mother pays for herself as a driver, but her rates wouldn't have you factored in. Most insurance carriers would promptly deny coverage in such a scenario if you were to have an accident. Of course, most people wouldn't admit that they were just trying to save money, which of course is insurance fraud (difficult to prove, but a mess when it is).
So, have your mom add you to her policy. Her rates may go up, but in the end, it probably is cheaper than you buying your own policy. It would be best for her to maintain ownership of her old car, as well, to avoid confusion about what a covered vehicle is.
It depends on the language in the policy. Some companies allow you to insure a vehicle that is in your care, custody, and control with no requirement of ownership but you must at least be the primary user of that vehicle. I don't know of any case where you would be allowed to insure another persons vehicle in which you do not have care, custody, and control.
"No-fault" insurance refers to medical coverage which you are required by state law to carry on your automobile insurance.
Not all states have "no-fault" statutes, though almost all insurance companies sell some type of medical coverage for their auto policies.
Basically, if you have an accident for which you aren't at-fault, and you live in a "no-fault" state, your own insurance must pay for your medical bills. The "no-fault" part comes from the fact that even though someone, say, plowed into the rear of your car while you were stopped at a red light, your own carrier must pick up the ambulance, hospital, rehabilitation, etc.
Some states allow "no-fault" insurance carriers to go after the at-fault party, but this varies too much to discuss here and it's also relatively rare. Typically it's based on the amount of the medical bills or the weight of the at-fault party's vehicle.
Many people who live in "no-fault" states often believe they can prohibit their carrier from paying their bills (with the assumption that they don't want any payments made under their policy in case their rates go up). This isn't the case. Much like worker's comp, "no-fault" medical coverage is primary, and the first-party insurance carrier must pay it.
Finally, many people who know they live in a "no-fault" state often believe this has something to do with physical damage to a vehicle and liability. That's not true. "No-fault" relates only to the medical coverage. If someone hits your vehicle, and he's at-fault, he is still legally liable to pay for the damages to your vehicle.
In my experience as an auto insurance adjuster, the car carries the insurance. It would tie up the courts if settlements were partially on the vehicle and partially on insurance carried by the driver.
If your car is involved in an accident while being driven a person who does not have your permission (as the Named Policy Holder) it is possible that your insurance company, after an in-depth investigation, including sworn statements by you, may try to subrogate against the unauthorized driver's insurance.
I am an auto insurance adjuster and the quickest answer to your question is - "it depends on the Owner of the vehicles policy language".
Most Auto insurance policys WILL in fact cover ANY driver of the Insured vehicle - UNLESS that driver has been previously Excluded from the policy or UNLESS the driver has STOLEN the Vehicle. This would have to be proved with a copy of a theft report filed by the owner of the house with law inforcement.
Now, most of the time this is the case - but NOT in all states, and NOT on all policys. I urge you to call your agent BEFORE you drive a friends car or BEFORE you let a Friend drive yours.
That really depends on your credit score, claims history, driving record, where you live, etc.
You can get up to four car insurance quotes in minutes from companies like Safeco, Unitrin Direct, MetLife, Travelers from some Web sites. But keep in mind, price is not everything. The cheapest may be the most expensive if you need it.
The top ten cheapest cars to insure, regardless of who you are:
The insurers go by credit scoring, loss avergaes, etc. not just by the car you drive, of course.
For liability only, it depends mostly on the driver an possibly a little bit on how much damage the car will do. (motorcycles cheap, SUV's expensive)
For full coverage it is a combination of how much it usually cost to repair it and how likely it will be to get in an at fault accident.
cadilacs are expensive to repair, fords are inexpensive
volvos are driven responsibly, mustangs are always getting to wrecks.
The cheapest to insure will be a sensible, afordable, small sedan with the most safety features and the cheapest engine, trim, features etc..
Have you tried ordering copies of old checks you used to pay for the policy? That could be a first step. Or get credit card records if you paid via that method.
You could try contacting your state department of insurance and ask them what your state laws are for disclosure. Have you tried getting your records from both the agent on the carrier? Is the agent captive with the company? Basically try getting records from the agent if the carrier did not respond, or vice versa.
You may also have to complain to your state's dept of insurance to get action.
If you know the owner of the vehicle than you can probably order a CLUE report on them from ChoicePoint. Otherwise, CARFAX will usually list what accidents it has been in.
Your parents need insurance on the car, or anybody you drive with over the age of 25 needs insurance on their car. You do not need insurance until you recieve your own license and car.
15-20% of the retail value of the vehicle at the time of loss is often a reasonable estimate.
You could try calling a salvage yard to get an idea. A vehicle totalled due to front end damage will have a lower salvage value than the same vehicle totalled due to a rear impact.
More input from other FAQ Farmers:
If you have been declined on medical grounds Insurance companies would not be able to find out that you were refused insurance prior to your purchase of other travel insurance.
The same is likily if you were declined on moral grounds.
However, should you claim on the insurance things can change. Depending on the nature of the claim and the amount of the claim an investigation by the insurance company might be triggered. In the UK there are databases of every claim made on travel insurance which seek adverse patterns and commonalities eg. same person repeatedly claiming for the same thing - However I do not know where your inquiry stems from and do not know if the same system exists between insurance comapnies in other countries.
On a final note, should the declinantion of cover by an insurance company exist on medical grounds ie. you have a pre-existing medical condition, most insurance companies would care and have there own set of underwriting rules which they would then ask you to comply with (explain the condition and the reletive history of the condition) other aspect of information they would need is the destination, length of trip, age and what you plan on doing at the destination.
Generally, this coverage is extended by means of a financial bond.
These can be purchased from MOST insurance companies that issue non-standard policies.
More input from others:
I do not think an Umbrella policy is what you are looking for. Non-owner auto policies are offered by almost every national insurance carrier, simply call one.
You have to keep in mind that a "permit" holds more weight than maybe 20 or 30 years ago. In many states it really constitutes a RESTRICTED LICENSE meaning by legal definition insurance companies still can and to an extent are REQUIRED to insure you if you pay them and furnish the permit.
There are however many uppity high class insurance companies like State Farm or 21st century that won't insure someone learning who dosen't have a full unrestricted license, but they won't insure anyone for that matter who does not have 3 YEARS of VERIFIABLE, PERFECT (no points, accidents) of licensed driving experience. It is absolutely possible for you to get insurance. Check you phone book and try to find an agent. Depending on how old you are, the rates may be steep.. but yes not every company is going to deny you and WARNING: Your parent's insurance will not neccessarily cover you if you're not SPECIFICALLY LISTED.
In most cases, like what happened to me if there's a problem they aren't even going to ask to see your guardian's license. I know because I was in a major accident two weeks ago, and I have a learner permit and have for almost 20 years. They didn't even care to see my wife's lic. If you're driving, you're are still soley responsible no matter what restrictions are imposed.
More advice from other FAQ Farmers:
Hi, I'm a P&C Underwriter for a national direct insurance company. Some of the answers here are incorrect or unintentionally misleading. Keeping in mind that my observations will be limited to the auto contract that my company uses and there may be some discrepancies (but most contracts are very similar) here are my answers: No insurance company is required to issue you a policy. However, if they do they are required to pay out on any claims unless you the policy holder made a material misrepresentation when the policy was quoted to you. I do not think that neglecting to inform the company that you only have say 30 days experience driving motor vehicles is a problem, but if they ask you 'So you have a regular Virginia drivers license?' and you reply 'Yes.' it could be construed as you misrepresentating yourself, since a graduated/permit license is not nominally considered a 'regular' license. Most companies will order a MVR and a CLUE (comphrensive loss underwriting exchange) report on the spot on you so they'll know exactly what kind of license you have anyway.
To shortern that previous paragraph up: Yes, you probably can get a insurance policy with a learners permit so long as you tell the insurance company all you have is a permit.
