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Do you have to have insurance utter coverage if you are not driving a car that you are still paying on?

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!

If the car has total coverage and someone else is driving the vehicle will the insurance still cover both vehicles?

A good rule of thumb about car insurance is that the insurance goes after the car. So, if you own a car, have total coverage, and loan the vehicle to someone, and that person has an accident, your car insurance will step in to cover both your car’s damages and any property harm. This might not be true, however, if the other person is a resident relative (ie, lives in your house) and has access to the vehicle all the time. In a case like that, you could have coverage issues because you didn’t tell your carrier that someone else was regularly — or might regularly be — driving your car. Your rates are based on you as the driver; you don’t pay your carrier to cover someone else.

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.

How do you drive a car that was bought if there is no insurance on it but total coverage on your current auto?

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.

Does the at-fault driver with utter coverage insurance pay for the other car?

%DETAILS% NoThe person who is at-fault is responsible for your damages. His insurance will pay for everything. Tow, rental, damages.

If you let a friend drive your car and he runs off the road and does major harm to your car will your utter 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 witnessed 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.

If you have utter coverage and total your car will the insurance pay for another car even tho’ the one you crashed wasn’t paid off yet?

noNo, the insurance company has a responsibility to the lienholder very first, then you get the balance of the settlement based on the local market value of your car. Insurance companies are not responsible for purchasing you a fresh car and the settlement is based on the value of the car you had an accident in. The settlement is not based on what it will cost to buy another vehicle.

If an illegal alien drives your car with permission and gets in an accident will your total coverage pay?

Very likely not , read your policy- most have disclaimers for illegal operationand illegal acts. if you knew they were an illegal alien and gave them permission, you too broke the law .Did the illegal have a valid drivers license , and did you ask to see it before providing permission to drive your vehicle ? Is the illegal alien a friend or employee ? If an employee , shame on you!You are a idiot if that’s the case and have placed yourself and others at risk by doing so and you are liable . Why in the world would you knowingly let any illegal operation of yourvehicle take place ? Think about it !! The other thing that may happen is that your ins co will pay, but they may and most likely will raise your rates or cancel you.

If you have total coverage how much will your insurance company pay you for your stolen car?

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Coverage on a Stolen Car .
Most insurance companies will only pay the blue book value of the car at the time that it was stolen. Check the Kelley Blue Book or the National Automobile Dealers Association for approximate values.

What if you have total coverage insurance for your car and you have a single car accident and you have a suspended license does the insurance people still pay for it?

Reaction .
wrong side driving car was total harm * drank liqueds and drove the car it is also pay *

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?

Response .
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..
Response .
with direct they are covered as long as they don’t live in your house.

Does your insurance pay for damages to your car if you have total coverage and someone living with you who had no drivers license took your car and wrecked it?

Reaction .
Probably not, most insurance companieshold the holder of a vehicle responsible for keeping the vehicle secured. Meaning even if the unlicensed driver took the vehicle w/o permission, the proprietor should have made certain that such an event could not have occurred.

Do you have to have insurance utter coverage if you are not driving a car that you are still paying on?

How can you get car insurance coverage without paying utter year premium after cancellation?

Reaction .

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They refund you the remainder of the premium not used for the year.

Will your utter coverage auto insurance pay for your car if you where drinking and driving and had an accident?

Response .
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.

What does the insurance company have to pay if you total your car with utter coverage?

Reaction .
They pay whatever the value is of your vehicle less the deductible..
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The value they pay, in most cases, will be the trade-in value or average private sale value. Not enough to substitute the car even when you add the deductible..
Response .

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anything you do with the car or any one else but beware when claiming on insurance they will charge you more next time

If an unlicensed driver has an accident driving your car and you have total coverage auto insurance will it pay for damages?

Reaction .
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.

If friend driving your car wrecks it will their utter coverage policy pay for the repairs?

Response .
yes.. make sure you contact your insurance company and let your insurance deal with your friend’s insurnace to lodge the harm amount to have it repaired. .
asian623https://www.myspace.com/scionturboracing

Will your insurance pay for your car you totaled and it was your fault you have utter coverage on your leased car?

Leasing .
This is sort of an educated guess, but I believe the insurance would pay the dealer and not you. I simply say this because when leasing, you never own the car, you simply “rent” it for a definite amount of time.

If you have a suspended license and total coverage insurance and get involved in a single car accident due to medical reasons will the insurance company pay?

Reaction .
Maybe, it will depended on the policy wording and exclusions, you need to turn the claim in for a decision.

You total out your car and your insurance denies coverage will you still have to pay the notes?

Yes. Your auto loan must be paid whether or not the car is driveable, lost, stolen, whatever. The lender doesn’t know or care if the car was totaled and the insurance company only gave you the blue book value on it – in way too many instances the car is not worth what it costs overall. Review the terms of your loan.

How does total coverage insurance pay offs work?

Total coverage insurance will help you get your car immobile after ithas been wrecked. You can also get a fresh car if it has beencompletely totaled.

If I drive my vehicle delivering pizzas and have a wreck does my insurance company have to pay if it was my fault and you have total coverage?

Usually whom ever is at fault for the accident their insurance has to pay..
If you are at fault your insurance has to pay and the pizza business would pick up the rest.

If you have utter coverage car insurance and you have an accident and are killed does insurance pay settlement?

An unendorsed ISO Private Auto policy should pay your “Part B-Medical Payments Coverage” Limit to an insured,which is a no-fault coverage. This is usually a low limit of 1,000 or Five,000 but can be enlargened. Uninsured/Underinsured coverage could pay bodily injury or funeral expenses you incur if the negligent vehicle doesn’t carry insurance or doesn’t have an adequate amount. Also, there are endorsements available that could indemnify after a death such as “Auto Death Indemnity”, which sounds like what you are needing.

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. Nude 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 total coverage insurance?

There is no age limit albeit the value of the car may not justify the cost of utter coverage.

Do you have to have insurance utter coverage if you are not driving a car that you are still paying on?

If you have utter coverage insurance and have a car accident will the insurance company pay off your car if you still owe on the car?

If you’re filing the claim through your own collision coverage, your car insurance will pay the actual cash value (ACV) minus your deductible at time of loss. This may not be enough to cover loan due to interest, negative equity, etc. You can look at buying gap coverage either through your finance company or your insurance company if this concerns you. The best available resource for determining your ACV is www.nada.com.

You have gap insurance and total coverage insurance but your bf totaled your car and he is not on your insurance will your insuances still cover your car?

You’ll have to seek out the fine print in your gap policy for details on that. In regards to your auto policy, total coverage does not have anything to do with who is covered, but everthing to do with what is covered. Generally speaking harm to your car will be covered, minus your deductible, unless your beau is excluded from the policy. For the future it’s always a good idea to add drivers to your policy, even if it’s for a day, no sense in putting yourself in a position like this.

If a car is considered a total loss after an accident and the insurance company pays you for what the car is worth do you still have coverage on that vehicle if you contnue to drive it?

Usually if the car is a total loss, the insurance company will pay you and take the car. They then sell it for parts/salvage. If they let you keep the car, all you have to do is check on the current status of your policy and see if it is listed.

If your car is paid in total do you need total 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.

You live in Michigan you had an accident with a leased car with full-coverage insurance and it was their fault Will they pay for your car to get immobilized?

There insurance will cover the cost of repairs to your vehicle. This works with any vehicle even if it is a rental.

If you have utter 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.

Does utter coverage insurance pay for a rental car?

Some policies automatically include a minimal amount ofrental reimbursementcoverage, but generally your policy includes no coverage for rental reimbursement if it is not listed with apremiumon yourdeclarationspage.

Does a insurance company have to pay for your stolen car if you have utter coverage ins?

If by Total Coverage, you mean you also purchased Physical Harm, aka harm or loss of your vehicle and the car was confirmed stolen, preferrably via police report, the company will typically pay Actual Cash Value for your car, less your deductible.

Utter coverage auto insurance protects anyone who drives car?

In most cases, as long as the policy holder 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 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 utter 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.

Will the Insurance Company pay for a rental car if the accident is your fault and if you have total coverage ins?

Only if you have bought the extra coverage to have a rental. “Utter coverage” usually just means you bought liability, comprehensive, and collision insurance.

Do you have to have insurance utter coverage if you are not driving a car that you are still paying on?

If you still owe money on your car and the warranty just expired on it but you do have full-coverage insurance and then the car has a yam-sized mechanical break down how do you get it covered?

Sorry. Insurance covers accidental harm from accidents. It doesn’t cover mechanical breakdown. Hopefully you can get the car repaired and not find yourself paying on a “dead pony” but sometimes that is what happens. You need to protect your credit rating because someday you are going to want to make a major purchase such as a house or fresh car and if you have bad credit that is almost unlikely.

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Who needs utter 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.

What is the best car insurance for utter coverage?

The best car insurance is based upon your private 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.

Will your utter coverage insurance still pay for the value of your vehicle even if the driver got an owi or was inebriated?

Yes, your policy will still pay as it should have reguardless of you being intoxicated or not while driving. If you are insured with a preferred company I can pretty much guaranty that you will receive a non-renewal notice and your insurance will be cancelled after that. You will also find it tighter to purchase affordable insurance from then on as your better more preferred insurance companies will not be interested in your insurance account.

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 total 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.

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 utter 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.

If you have utter coverage insurance and let a minor borrow your car will they still be covered?

If you have a minor driving your vehicle without having them listed on your insurance policy, then the insurance company will most likely deny any and all coverage if they should ever have an accident in the vehicle. You are not paying for insurance for them to drive the vehicle, so why should you expect them to pay the claim? You policy states that you agree to notify the company of all drivers and by not doing that you have committed material misrepresentation which means you broke the contract. If you broke the contract they are not liable to keep their part of the contract.

What is the cost of total coverage car insurance?

Utter 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?

“Utter 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.

What kind of insurance do you need in the state of nc if the car you will be driving is not wielded by you but the holder of the car has total 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.

Is total coverage insurance worth paying on a salvage car?

Usually not, collision and comprehensive only pay based onpre-accident value of the car, which for a salvage is very littleif anything. You will need liability and it might be useful to haveuninsured motorist.

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