Vehicle Insurance Question Jacksonville Florida FL

Reader’s Question:

A crippled war veteran asked me a favor to drive him around next week. In this case, who will then be responsible for the insurance? In case of an accident, what does an insurance policy typically covers? If the car is not insured or registered and I was asked to pull over by an officer, will I be ticketed because of this? If I’m drving someone else’s car and the car is insured, is it true that the insurance company covers the bare minumum in an accident?

Arthur

Jacksonville, FL

If your vetaran friend has a car insurance and you got an accident while driving his car, the insurance on the vehice would be primary and the if the limit is not high enough to pay the damages, your insurance as the driver would be secondary. Auto insurance companies follow this vehicle first and driver second.

The owner of the car should ensure that you will be covered under their current policy if you would drive him around as they want. Though most of the auto insurance companies can cover friends and people who would occasionally drive the owner’s car, there are certain exclusions so the owner should explain the situation to the insurance company to ensure that you will be covered on the policy for this case.

A basic liability policy which is required in most states covers injuries and damage to properties of the third party but not the vehicle driven if the driver is at fault. Collision would also be need. The owner of the vehicle should ensure that liability and collision coverages are extended to the driver of the vehicle. This is just one of the many other types of auto
insurance policies.

What insurance will be extended or transferred to the driver of the vehicle that is borrowed depends upon the guidelines of the insurance policy,the state insurance laws and the owner’s insurance policy. The owner of the vehicle should check this matter to his insurance comapany.

It is illegal to drive a vehicle without a registration or an insurance. State laws differs in that some would give ticket to the vehicle, thus the owner, while others give ticket to driver because of driving an unregistered or uninsured vehicle. In other states, the discretion is upon the law enforcement officer who asked the driver to pull over.

 

Tags: auto insurance

Teen Non Owners Car Insurance Cape Coral FL

Reader’s Question:

My teenage son barely drives and so I’m thinking of taking him off from my policy. If in case he gets in an accident, will he still be covered since to my understanding the car has insurance under my name? We’re from Cape Coral, FL.

Simon

Cape Coral, FL

Your insurance company in Cape Coral, FL may not allow you to take off your teen from your policy since your son is already licensed and lives in your residence unless he turns in his license or gets his own policy. Your son does not have his own car yet so getting his own policy may not be a good option for you. A non-owners policy would not be of help either. It only works as a secondary insurance and if the primary insurance, yours, would not pay out (due to him not being on the policy) then the non-owners would not typically pay out either.

If you still would want to take off your teenage son from your policy, you can discuss this with your insurance agent in Cape Coral, FL but more likely as previously mentioned, they will insist that you keep him on it. You may be required to exclude him from the policy if you choose to take him off, in which case he would not be covered by your insurance policy if he drove the vehicle and was in an accident.

 

Tags: car insurance quotes, car insurance rate, non owners insurance, teen insurance