Questions/Answers
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Car Insurance?
I drove my friends car he has
liability insurance. I have
full coverage insurance on my
car. I got hit by a guy
without insurance. Will my
insurance cover my friends car
I was driving because the
other guys car is not going to
be paying for anything.
Thanks.
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You know what? Insurance follows the vehicle and I guarantee you your friend has uninsured motorist coverage under his liability policy. You can even claim injury and collect under his U.M. coverage. It will not cause a rate increase for him IF he gave you permission to drive. Your insurance is considered secondary IF your friend's policy decides not to cover the loss for whatever reason. |
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Car Insurance?
My fiance does not have his
license because he was caught
driving without insurance
(forgot to pay it!). He has to
pay the state a fine (done)
and then get an SR-22 and
insurance before he can get
his license back.
How can you get insurance if
you do not have a car to get
insurance on? (He would be
driving vehicles at his job,
which is why he needs his
license). He can't get
insurance on my car with me,
because my car is registered
in my mother's name and is
insured by her, I'm just on
her policy.
He has to get insurance before
he can get his license.
So his work insurance for
driving vehicles wouldn't work
for that because with an SR-22
you have to keep your
insurance policy current for 3
years straight. (He is leaving
this job in 5 months because
we are moving, thus he would
be without insurance again
when we moved and lose his
license again.) I cant see his
boss wanting to pay for the
extra insurance on him either
since it will obviously be
high with the SR-22.
And I don't think you can buy
a car if you don't have a
license in the first place??
We can't afford another car
and his insurance (because I
am sure it will be ALOT! He's
male, under 25, and needs an
SR-22)
We are not yet married. Once
we are, we will get on one
policy with the car.
The insurance company knows
where the car is, we had to
pay extra for it since I am in
another state.
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SR-22 has three classifications : Operator's Certificate Owner's Cetificate Operator's-Owner's Certificate His classification would be Operator's Certificate which is for driving a non-owned vehicle. Progressive Insurance is but one of many companies that covers S-22. Good luck. |
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Car Insurance?
I'm 21 and needless to say
full coverage insurance on a
male is ridiculous. Allstate
want to charge me $450 for
coverage on a Sentra!!! I know
it's based on stats with young
male drivers being in more
accidents or speeding or
whatever, but I also know
different things like being
married helps bring it down. I
own my own small business and
wondering if anyone knew if
that would bring down my
insurance.
The reason for me asking is
because when I rent a car at
Enterprise there is an extra
premium for renters under
25(like a male's insurance
dropping at the age of 25),
but since I have my own
business they allow me to rent
it at regular price.
Perhaps owning a business
shows more responsibility like
being married does and lower
insurance rates.
*Side notes
-The car wouldn't be
"business" car its
still a personal car(but I
mainly need it to go to work
and school with a little
business travel)
-I have been driving for 6yrs
without any accidents,
tickets, and continuously
insured.
$450/month is more than the
car note!!
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Just shop around for some quotes. Almost every friend I have that has shopped around for lower rates has gone with Progressive. I'm 24, have full coverage on a Camry and have a few tickets and mine is under $200 a month. They also have excellent claims service! |
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Car Insurance?
So I got my license the other
day I'm 16 turning 17. I don't
have a car yet, but I want to
drive alone. My mom has a car
but my name isin't included in
the policy. I heard somewhere
that I could still drive the
car. Is that true? How much
would it cost if my name is
added to the car? the car is
on AAA Insurance.? . Another
question. Im going to be
working soon, how much would
it cost for a 17 year old to
drive his own car with his own
insurance, BUT if im added to
my DAD's policy.?
Oh yeah my dad has i think
about 3 cars on his policy.
more info. OK. I live in
Southern
california.(oceanside) 94'
4runner toyota.
that car is on his policy
already.
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You are on your moms policy if you live with her,the insurance will charge you against the most expensive vehicle whether your driving it or not you still live in the same household.There is always that chance you will drive the best car in the house.So their premiums will always go up. Usually if your parents get a sworn affidavid from a magistraite or a judge stating you won't drive their cars [ If you have your own car] and you have your own insurance They might be left to pay their own premiums.There is no cheap way out.there is no better result on your dad's policy.By the way your mom is taking a real chance not telling the insurance co your driving on her policy .when they find out they could drop her ,then insurance could be more the next time she goes for it |
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car insurance?
I AM BUYING A USED CAR SOON.
THIS WILL BE MY FIRST CAR...SO
I DON'T KNOW THE PROCESS. MY
QUESTION IS WHEN DO I PURCHASE
THE CAR INSURANCE? DO I HAVE
TO HAVE CAR INSURANCE BEFORE I
GET MY CAR FROM THE CAR
DEALERSHIP? THANK YOU FOR YOUR
ANSWERS
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You will need car insurance before you leave the lot. My advice would be to get the car loan first, then go looking for a car.Once you find the car, you can then shop for insurance. One benefit of this is that you will see the total amount that the car will cost you before you actually sign on the dotted line. Please take into consideration the coverage when buying insurance, not just the price. The state minimums will probably not be enough to cover you should you have an accident, so even if you pay a few dollars more per month, you should make sure your liability limits are sufficient. Hope this helps! |
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