Can you get an auto insurance policy if you do not own a vehicle?

Can you get an auto insurance policy if you do not own a vehicle?Reaction, I did in Oregon & Washington

I did in Oregon last year (2005)with Progressive. But it cost an extra $15 a month. You can in Washington also for extra $.

Can a minor in the state of Georgia have their own auto insurance policies or do they have to be placed on their parents’ insurance?

Insurance under Legitimate .
Yes, you can but its best to be under you parents policy… Since the price will be “Very High” since your under Eighteen.

If you live in the UK but own a vacation home in Florida how can you get auto insurance for the vehicle you own in Florida?

Ask an insurance agent. Most insurance agents are blessed to sell insurance and reaction questions. Most insurance policies are available with layaways; that is a time when the insurance policy isn’t active and you don’t pay for coverage. The same agent who insures the home would be a excellent candidate to help with insurance on the car.

How old do you have to be to have your own insurance policy?

As old as your state says you have to be to own a vehicle and / or drivers license. Check state specific laws and post the reaction here for others in the same situation.

Is it legal for your auto insurance to add your 19yr old to your policy as a secondary driver knowing he possesses his own car and has his own insurance?

from A Texas General AgentYes, They can do that, but only if you fail to announce him as driver or exclude him from coverage. You can still avoid having him on your policy by excluding him from your policy after the fact. Just accomplish a form 515A to exclude him from coverage. After filing the 515A with your insurer they are no longer permitted to place him on your policy nor charge you for it. They will also not be responsible if he subsequently has an accident in your vehicle. Since he already has his own insurance and the liability portion of an auto policy will go after the driver to a loaned vehicle, this should not be a problem, so long as he keeps up his payments on his own policy. Many Insurers and Insurance Agents will not voluntarily disclose this information to you tho’. This is because Insurance agents work on commission, the larger your insurance bill, the more they make, any percentage of Two dollars is more than the same percentage for 1 dollar . Fairly naturally having a Nineteen year old fresh driver on your policy will send your payments sky high. So they will always advise you to leave him on your policy and attempt to coax you it is for your own protection. Most youthful masculine drivers will eventually suffer a loss of some type whether it be major or minor. Should they be driving on your insurance policy when this happens, Your premiums will increase accordingly for the next three to five years. again the more you pay the more they make. If your insurer turns down to provide you with the necessary exclusion form, You should report them to your State Insurance Department as this would be considered an unethical practice and a means of gouging the public. I would also advise you to find another Insurance Company if you determine unethical practices on the part of your insurer. I always advise my customers to place freshly licensed youthfull drivers on a separate policy of their own. This is to protect you, the Parent from unacceptable rate increases on your policy. Yes, an insurance company will always want all the family members living in the same house on the policy, because it is their belief that eventually, there will come a time, when the son or daughter has to use the car just for one errand, and if they get into an accident, the company is going to instantaneously deny the claim. So, this is not only for the insurance company’s protection, but yours as well since you would be stuck with the bills after they deny the claim. Any more questions, email me at [email protected] Sean IL Licensed Insurance Producer

How can you find someone’s auto insurance policy?

Response .
You can’t unless they tell you who they are insured with. Who a person is insured with or even if they have insurance is a private matter inbetween the insured and the insurance company. Now, if there is an accident and the police come to the scene they will collect that information and put it in the accident report. This is why it is crucial to always call the police to the scene of the accident no matter how much the other person begs to give them a break. Always, always!!! call the police to the scene of an accident. The exception is if the accident is on private property.

How can you obtain collision and comprehensive auto insurance on a vehicle with a salvage title in NJ Can you insure it under your homeowner’s policy?

Homeowners insurance does not cover vehicles used on public roads. It should not be a problem. Geico insures salvage cars, as do mostinsurance companies. Just recall the car is worth less as asalvage if it’s re-totaled the actual cash value of the car isabout 40% less than a comparable clean titled car. And it’s easierto re-total the car a 2nd time since it’s worth less, so minordamage may re-total it. Lesson: don’t pay too much for salvage carsand don’t get in an accident! **14Jun11- Just called Geico and they said will insure my SalvageTitle here in Fresh Mexico, but will also permit me to addComprehensive to the policy. The company I am presently with will also insure the vehicle forliability but WILL NOT insure for comprehensive. The choice is to go without comp or switch companies. You determine!

If something in your yard glides into your vehicle what kind of insurance policy covers the harm to your vehicle – auto or homeowners insurance?

Reaction .
comprehensive, also known as “other than collision”, or possibly the homeowner’s or the object’s proprietor’s.

If the insured cancels their own auto insurance policy how is the comeback premium calculated and is there a penalty?

Response .
If you cancel your policy is will most likely be short-rated which means you will be penalized for canceling. There are published factors but I can’t give you the brief rate factor without knowing the dates of the policy.

If you stir out of your parent’s house and you were originally on your parent’s policy for auto insurance do you need to get your own policy because you live in another residence?

Response .
Typically the possessor of the car insures the car and lists all drivers of that vehicle regardless of where a driver may live. I own a vehicle that my father in-law keeps at his place. I have the vehicle listed on my own policy and him as an operator.

What is collision and comprehensive on an auto insurance policy?

I am a licensed insurance agent. Comp is if your vechile is stolen, or bruised by something other than a car which you will have to pay the dec. Coll is if you get into a car accident and say the person did not have insurance then your coll would kick in. But in most cases there property harm will cover you depending on the state. I am from Florida and it is a no falt state so it doesnt matter. You need to check with your agent and see your dectibable. I would suggest uninsured motorist just in case they don’t have insurance your medical will be paid. But that has nothing to do with the com/coll. hope it helped.Tammy

If your auto insurance permits you to drive other people’s vehicles do the other cars still need their own insurance for you to be covered?

Albeit your own auto insurance may very well go after you to a loaner vehicle. It only goes after you as “Secondary” coverage. It is still the vehicle owners responsibility to provide “Primary” coverage for his or her vehicle when that vehicle is being operated on public roads regardless of who is driving it. Additionally, If an officer runs the license plate of the loaner vehicle you are driving and finds that it is uninsured. The driver will be ticketed. It is not the officers responsibility to determine if your coverage from your own vehicle transfers to the one you are driving. You could always argue that in court at a later time if you wish in your defense. If an at fault accident were to occur, Both the driver and the vehicle holder can be held financially liable for any damages or injuries that may occur, so the proprietor must still have the vehicle insured to cover his or her own liabilities even tho’ they may not have been driving the vehicle at the time of the accident. Recall that it is the vehicle owners responsibility to provide “primary” coverage for the vehicle. ReactionIn all likelihood, yes, the car does need to be insured. This is because the vehicle in question would have to be decently registered in order to do this it must be decently insured. That being said, the holder of the vehicle can buy insurance just to cover the car while it’s parked. Dual check with your insurance company. It is likely to cover the car while you, the insured, are driving it.

If you are listed under your beau’s auto policy as a driver can you add the car you own to his auto insurance coverage or does he have to own the vehicle?

adding yourself to his insurance .
If you are listed as a friver you should be covered under his insurance which means you should be able to add your vehicle as wee.

Can you get an auto insurance policy if you do not own a vehicle?

Does the driver of a vehicle in the state of Fresh Jersey have to have their own car insurance or can they be covered by a company policy if driving the company’s vehicle?

Fresh Jersey and Auto Insurance .
Check with your company to see how they cover you. Usually a company only covers you if your are driving one of their vehicles while you are working. When your are on your own individual time, let’s say that you drive the car all the time and it is kept at your home, you will most likely need your own insurance as well. Any other drivers that may drive the company car, even if that car is your only means of transportation, are not covered by company insurance. It is always best to check with your company, they may assume that you are insured on your own or may only carry a limited policy on their company vehicles considering how expensive auto insurance is in NJ. Whew!.

Can you get auto insurance if you do not own a car?

Response .
Yes you can, it’s called a named non-owned policy. It covers you to drive a vehicle you do not own, and it only covers you to drive a vehicle that does not have insurance. If you borrow a friends car and have a name non-woned vehicle and have an accident, the insurance goes after the vehicle, so their insurance will pay. That company may subrogate and come after you then it would be up to your insurance company to determine if they’d accept liability.

Can you have your own auto insurance policy if you are under the age of Eighteen?

More Questions! .
Interesting question! You aren’t legally able to contract unless you are Legal in most states. But there is nothing illegal about you wielding a car. But is the title in your name? Can a minor hold title to a vehicle? I’ve looked through a number of state sites and don’t see anything about the age someone has to be to title a vehicle. I hope someone has more information on this one!

Can a 16 year old driver get his own auto insurance policy or must he be on his parents policy if he lives in the home with them?

Response .
A 16-year-old is not legally able to contract with the insurance company unless he has been emancipated. Which leaves him to work with his parents or another adult to acquire the insurance.

Will auto insurance cover an accident if one is at fault however the driver in the other vehicle is not the proprietor of that car and is not on that car’s insurance policy?

Response .
Yes, your auto insurance will payout to the other party involved in the accident. Your auto policy covers “you” from any financial loses. So in retrospect you wont have to pay the damages you caused to the other veichle..
Concerning the party that is not the possessor nor on the car owners policy, the car holder’s auto policy covers the car and any lawful driver aslong as their were no “misrepresentation” on the insurance application/contract. By misrepresentation I mean, at the moment the car holder signed the application and contract he was to state any material facts that could switch the underwriting decision such as premiums. For example, if the car possessor has a son who will also drive the car, the car possessor is obligated by law to diclose that to the insurance company. In the event that an accident occurs and a “undisclosed driver” was operating the veichle the insurance has Two options. 1. He can Void the policy/contract and not cover the auto holder. or Two. He can cover the auto holder and payout damages but later sue in a court a law that amount and underpayed premiums for the time the policy was active and the undiclosed driver was operating the car..
Note” In infrequent cases, an insurance company will cover the “undisclosed driver” aslong as the difference in the premium is paid.

Can you have your own auto insurance policy if you live at home with your parents?

Yes, you can have your own auto insurance policy. If you are a minor however, you will need your legal gaurdian to countersign your application for insurance coverage.

Would insurance cover the accident if you were in an accident but were not on the insurance policy but you had your own vehicle and insurance on it?

Reaction .
If the car that was involved, in an acident was insured yea! .

Your 20 year old daughter lives at home with her own auto insurance do you have to exclude her on your own policy?

Response .
No, you do nothaveto exclude her, but if she is rated on your policy and you are paying that higher premium andwantto exclude her to reduce that you might be able to, but reminisce if she’s an excluded driverunder no circumstancesshould she ever drive that car, as there will benocoverage, on your vehicle or the others she damages should she have an accdient in it that is her fault.

Can you take out an auto insurance policy in AZ if your spouse is the registered possessor of the vehicle?

Response .
You should check with an agent on this. Some states will require the holder to have the policy and list you as a driver.

If you insure the vehicle but do not own the vehicle must you pay for damages about policy boundaries?

What does the policy say? Are non-owner drivers covered? Hey,how come you get an auto insurance when you do not own a vehicle?Insurance of a vehicle is mandatory on the proprietor of that vehicle!Your question makes no sense.(sorry for telling this).

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Your wifey is not on your auto insurance policy She has rear ended another driverand his vehicle was totaled by his insurance company What are your responsibilities?

If she was driving your vehicle, with your premission, it would fall under your insurance and they would have to pay for the other drivers vehicle

If an unlicensed driver was involved in an accident in one of the vehicles on your auto insurance policy Will your insurance cover the charges?

Maybe. Did the unlicensed driver have your permission to be operating the car when the accident occurred? If so, maybe not.

In Texas how old do you have to be in order to have your own auto insurance policy?

Any legal driving age can obtain insurance in Texas. If you are a minor then your parents or legal gaurdian will have to countersign your application.

Can you get an auto insurance policy if you do not own a vehicle?

Can you get auto insurance without a vehicle?

If you do not own a vehicle you can still purchase auto insurance to cover you when you are driving borrowed vehicles and rented vehicles. Named non-owners insurance is a policy for individuals who drive borrowed cars and have a need for liability insurance. If you are required to provide an SR-22 to the DMV to keep your driving privilege and do not own a vehicle, named non-owners policies are the best solution. These policies will provide you with liability coverage in any car you do not own if you are found at fault for injuries or harm.

If you have your own auto insurance policy for a different car will you be covered if you drive a car not on your policy?

If the vehicle not listed on the policy is a fresh car that you have recently purchased, you generally have 30 to notify your insurance company of the switch. If the vehicle you are driving is just a friends car then, no. Insurance is primary to the vehicle and it is significant that the holder of the car have insurance on it and that any drivers of the car be listed as covered on their policy. There are exceptions to everything and these rules will vary by company. It’s best to check directly with your insurance company for questions like this.

Can you get an auto insurance policy with no vehicle?

Yes, In the United States, It’s called a Individual Non-owners Insurance Policy, sometimes referred to as a “Drivers Policy” or an “Operators policy”. Non Owners insurance however is intended for “unplanned, unexpected” usage. It is limited secondary coverage (liability only) that only invokes once the vehicle owners policy boundaries are weary. A private Non owners Auto insurance policy generally does not provide coverage for a rental vehicle since a rental vehicle typically includes a reservation and several deeds in a course of a “plan” to rent the vehicle. It does not provide coverage for a commercial vehicle of any type since it is a individual lines policy, (Individual lines auto polices do not cover commercial vehicles) nor for any vehicle that you drive on a regular (expected) basis or that you have regular (expected) access to. If you are considering a Non Owners Auto Insurance policy, be sure to discuss the coverage suggested with a qualified insurance agent. Your agent can explain the limitations of coverages afforded and help you determine if it’s right for you. The rules of Policy construct may vary in other countries. ReactionYES, I can verify this, it’s a national policy and will be good for any vehicle you drive anywhere. But you do not need it. If you do NOT OWN A Vehicle of your own, registered in YOUR NAME, At your address, (They do not check) you will automatically are covered under that vehicle owners policy no matter what happens.”

Can you get auto insurance on your parents’ policy?

Yes, however I have seen a few cases where you may run into trouble. For example in an odd set of circumstances where a child lived with Grandma and because she was not the legal guardian they would not permit it as a permitted driver… this is infrequent and we were obviously able to find her another company but it can happen…. long story brief, you should have no problem.

Can a minor in the state of Florida have their own auto insurance policies or do they have to be placed on their parents’ insurance?

In the state of Florida a minor cannot have an auto insurance policy unless a parent signs for it. Usually if said minor lives with their parents they are usually just put on their parent’s policy

Is it necessary that the policy holder is the same person who possesses the vehicle to be insured?

That all depends on the insurance carrier. There are many non-standard carriers that will insure a vehicle even if it’s not the possessed by the named insured. Ask your insurer if they suggest this service.

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Can you get insurance on a vehicle you do not own?

If you have its papers I believe so. You have to have information on it and legal papers.

Is it best for your dependent daughter to have her own auto insurance policy or add her to your policy?

Add her to your policy, but make her understand this is to help her out, and if she behaves irresponsibly, she on her own for insurance coverage .

What is a writer on an auto insurance policy?

Auto insurance companies hire insurance underwriters, who can also be referred to as writers, to underwrite the risk a driver poses to the company. Underwriters determine how much a policyholder will pay for their insurance rates based on how much risk they carry. If a driver has tickets and accidents, an underwrite will rate them accordingly. Underwriters are very significant in insurance because they make sure that policyholders pay the correct rates to prevent the insurance company from going bankrupt.

Can you get auto insurance if your auto policy is canceled?

Yes. Sounds like you haven’t had insurance for a while. You’ll most likely need non-standard auto.

Do you need to carry auto insurance on your Eighteen year old if he has his own policy on his own vehicle in the state of NC?

Generally an Legitimate year old is an adult and it his their responsibility to carry insurance on his own vehicle.

How do you get out of an auto insurance policy early?

If you have an auto insurance policy, and you want to either switch companies or cancel your coverage because your vehicle is no longer in commission, you have the right to do so. While the process of cancelling a policy will vary amongst insurers, most insurers will request a letter of cancellation in writing with your policy number, requested date of cancellation, and your signature to cancel your policy. If your vehicle is non-operable, some states will require proof of the date you reported the vehicle as a non-op to the DMV. If you are switching companies, you may be requested to provide a copy of the declarations page from the fresh insurer displaying the effective date of the policy to backdate the cancellation. While some companies do not charge a fee for cancellation, others will brief rate your premium and charge a percentage of the unearned premium if you cancel your contract before renewal.

Can you get an auto insurance policy if you do not own a vehicle?

What is a non-standard auto insurance policy?

A non-standard auto insurance carrier is an insurance company that insures higher risk drivers – such as drivers with numerous tickets or accidents and/or poor credit.

Can you go to your auto insurer and get copy of your insurance policy and send it to the depatment of motor vehicle office as proof of insurance instead of sending the sr22 form?

No. the State will not accept your policy instead of the SR22 Filing required by law. The SR22 requirement is more than just proof of your current insurance. There is also a requirement that your Insurance Company notify the state if your policy lapses, cancels or expires for any reason during the court required filing term which is usually for Trio years from the date of your offense.

What consequences if the vehicle insurance policy is expired?

The consequences? You policy is expired, that means you have no coverage. You just need to call your insurance company and ask if they will reinstate your policy. If they say your policy is not eligible for reinstatement you may lose your continuous coverage discount usually about five percent off your premium, not much. Just buy a fresh policy.

Will a auto insurance policy pay for routine vehicle repairs?

No – insurance is for unexpected and accidental harm. Routine repairs are considered maintenance and maintenance is not covered under any insurance policy.

Why do you need an insurance policy for every vehicle you own?

You don’t. It’s much cheaper to put all your vehicles on one single policy than it would be to buy a seperate policy for each vehicle.

Can your teenage daughter drive your vehicle with out being on the auto insurance policy?

Not legally no. If your teenager resides with you and has a license or permit, They should be listed on your policy. If not, an accident or claim could be denied because the insurance company was not informed of this risk. This is sometimes referred to as “Fraud by Concealment” of a known driver. An insurer does not have to pay claims that arise from fraud. Insurers will often pay these types of claims not because the teenager was a covered driver, but rather under a Parental Negligence claim. Your auto insurance will pay claims that arise from negligence of the Insured. If you are a household resident family member or a regular operator then you are required to be scheduled on the policy for coverage.

Can a lender enforce a auto insurance policy?

A lender can force you to have a current auto policy because they want to make sure their vehicle will be paid for if an accident happens.

Who can own a life insurance policy on you?

A hubby can buy a life insurance for his wifey. Spouse becomes the proposer and he is also the beneficiary in case of any unfortunate death of wifey. Similarly a working wifey can also propose a policy for her spouse. Father or mother can take out a life insurance policy for their children. Children cannot take out life insurance policy on their parents name as there is no insurable interest for them to do so. Almost anyone with relationship interest can be the proprietor of someone else’s life insurance policy. The further eliminated the proposed proprietor is form the insured, the tighter it will be to explain ownership. Note that corporations can also be the proprietor of policies.

Can you get auto insurance for a vehicle you own in one state that is not your state of residency?

Technically, no. But, yes you can as long as you inform the insurance company of where the vehicle is primarily located, albeit few insurance companies will write the a policy. If there is a reason your vehicle is to be registered in one state and your residence in another, a simpler means is to establish a company in the non-residence state and register and insure the vehicle in the company’s name.

Is a son covered on his father’s auto insurance policy when the son causes an accident while driving his friend’s vehicle?

The insurance goes after the vehicle therefore the person who wields the vehicle is responsible for having insurance on the vehicle and that insurance will cover the loss. I know it seems that the driver should have some responsibility but that is not the way policies are written. The best thing is instruct you children never to let someone else drive their vehicle, period. Insurance companies do not like it when their policyholders loan vehicles and they then have unknown drivers driving insured vehicles.

Does a household member need to be specifically added to an auto insurance policy in Minnesota even if they do not own any vehicles covered under the policy?

I’m not sure about Minnesota in particular but most policies state that you are required to list all household members and regular drivers on your policy. This means that everyone needs to be listed.

Can your dad insure your vehicle on his policy?

If and only if you live in his household and are a member of the instant family. If you are an adult over 21 it is usually best for you to have your own policy. If you live in the same household then you both have to be listed on each others policy.

Who possesses state Auto insurance?

State Auto Insurance Company is a large insurance company that writes auto, home, and other lines of insurance in most states. I don’t believe it is part of another group but it possesses other insurance companies as subsidiaries of State Auto.

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